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There are presently about 150 new patent functions on insurance inventions filed per yr within the United States.<br>Why Is Term Insurance Important? <br>Short-term and long-term incapacity insurance policies are available to individuals, but contemplating the expense, long-term policies are usually obtained solely by those with a minimal of six-figure incomes, similar to medical doctors, attorneys, and [http://forum.goldenantler.ca/home.php?mod=space&uid=687361&do=profile&from=space http://forum.goldenantler.ca] so on. Short-term disability insurance covers an individual for a interval typically as a lot as six months, paying a stipend each month to cover medical payments and different necessities. Gap insurance covers the surplus quantity on your auto mortgage in an occasion the place your insurance company does not cover the whole loan. 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