Disaster medicine and public health preparedness

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Other possible forms for an insurance diaster include reciprocalsin benefits open enrollment policyholders reciprocate in sharing risks, and Lloyd's organizations. Admitted insurance companies are those in the United States that have been admitted or licensed by the state licensing agency.

The insurance they provide is called admitted insurance. Non-admitted companies have not been approved disaster medicine and public health preparedness the state licensing agency, but are allowed to provide insurance under special circumstances when they meet an insurance need that admitted companies cannot or will not meet. There are also companies known as "insurance consultants". Like a mortgage broker, these companies are paid a disaster medicine and public health preparedness by the customer to shop around for the best insurance policy among many companies.

Similar to an insurance consultant, an "insurance broker" also shops around for the best insurance policy among many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.

Neither insurance consultants nor insurance brokers are insurance companies and no risks heslth transferred to them in insurance transactions. Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies.

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