Insurance

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Across
  1. 1. Paid from insurer surplus (8)
  2. 5. Join a health plan (6)
  3. 10. An additional amount to pay (3)
  4. 12. Policyholder, Claimant and others (5)
  5. 13. Payment stream (7)
  6. 15. Value recoverable after a loss (7)
  7. 16. Cost per unit of insurance (4)
  8. 17. Estimates claims (8)
  9. 20. Unexpected unintended event (8)
  10. 23. Amendment to a policy (5)
  11. 24. A group of insurers absorbs losses (4)
  12. 25. Estimate of value (9)
  13. 26. Individual who sells policies in US (8)
  14. 27. Medium of exchange (4)
  15. 30. Physical damage to property (4)
  16. 32. Sets premium rates (7)
  17. 35. Transfers risk from me to a company (9)
  18. 42. Money charged for insurance (7)
  19. 43. Uncertainty of possibility of loss (4)
  20. 45. Authorized to cover by law (7)
  21. 46. Covers the insurer carrier (9)
  22. 47. Sells policies (5)
Down
  1. 2. Begin a policy (5)
  2. 3. Written contract (6)
  3. 4. Cost sharing mechanism (5)
  4. 6. Part of the premium retained (7)
  5. 7. End of a policy for non-payment (5)
  6. 8. Sent for money (4)
  7. 9. Increases chance of a loss (6)
  8. 11. Reinsurance agreement (6)
  9. 13. Object at risk (5)
  10. 14. Governments set this (3)
  11. 18. Opposite of incept (6)
  12. 19. Houses and offices (8)
  13. 21. Policy condition (6)
  14. 22. Debt security (5)
  15. 27. Paid to agents (10)
  16. 28. Policyholders want this (5)
  17. 29. Request for payment for a loss (5)
  18. 31. Effective, Inception, Expiry …. (4)
  19. 33. Beneficiary of many payments (9)
  20. 34. Gets commissions (6)
  21. 36. Given for late payment (6)
  22. 37. A person in a group (6)
  23. 38. Maximum value from a policy (6)
  24. 39. Covered by a policy (7)
  25. 40. When policyholder choose to end (6)
  26. 41. Retained earnings (7)
  27. 42. Cause of loss (5)
  28. 44. Time period of insurance (4)