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| What are participating vs. |
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| nonparticipating insurance? |
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| Nonparticipating
insurance |
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 |
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| typically
stock insurance companies |
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| premiums
not dependent upon the future earnings |
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| and mortality
experience of the company |
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| Participating
insurance |
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| typically
mutual insurance companies |
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| may
return part of the premium as a dividend if |
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| company has
favorable earning |
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