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Because CSMs essentially force minimal penetration, they remove almost all possible advantage of traditional counting techniques. The existence of certain experience-based contract terms, such as experience accounts, profit commissions, and additional premiums, generally reduce the amount of risk transfer and make it less likely that risk transfer is reasonably self-evident.
An insurance policy should not contain provisions that allow one side or the other to unilaterally void the contract in exchange for benefit. According to the U.S Colorado, Williamsburg
Illinois, Milledgeville
Alabama, Vance
Tennessee, Sardis
New York, Hicksville
Iowa, Mount Union
South Dakota, Vermillion
Missouri, Jefferson City
North Dakota, Tolna
Texas, Midway South
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