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Co-payment — A predetermined, flat fee an individual pays for healthcare services, in addition to what insurance covers. Also guards against financial obligation or lawsuit in the event of an accident. Earthquake Insurance — A regular Homeowners policy will not include earthquake coverage, but it can be purchased as an endorsement or separate policy. Term Life Insurance — Life insurance that provides protection for a specified period of time. Elimination Period — The time that must pass after filing a claim before a policyholder can collect insurance benefits. Draw the Line II.

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