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Last week when Jo did that, we agreed ... Regulators, rating agencies, and analysts - not to mention insurance buyers – are increasingly resisting such behaviour.
6. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed
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