April 2005

April 20, 2005

Warranty

Guarantee to be true.

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April 14, 2005

Concealment

Withholding important information.

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April 4, 2005

Adhesion

A contract prepared only by the insurer.

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April 2, 2005

Hazards – Morale Hazards

Individual tendencies that arise from an attitude or a state of mind causing indifference to loss. It has an effect on everyone.

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