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Policy deductible and liability limits are those parameters that help to determine the best deal in terms of cheap insurance. If you don't have any control over it or ability to change it, it's possible that while the life insurance aspect is helpful, it may be a poor investment. the simple way to understand it is that it's the insurance industry's version of arbitration. Banks have a tendency to want to protect their investments. American Express, Amex Assurance, IDS Property Casualty.

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