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主题:【原创】关于美国保险法的有趣问题 -- landlord

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家园 insurance firms have bunch

of mathematicians/statisticians (called actuaries) who have to simulate about their new products.

Usually insurance firms will not sell policies at loss.

First insurance policy was sold in 18th century in Scotland. Anglos have hundreds of years of data to design insurance products--they will not lose money.

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