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Providers may be employees of the HMO ("staff model"), employees of a Rainforest baby tub provider group that has contracted with the HMO ("group model"), or members of an independent practice association ("IPA model"). Originally, individuals or companies that faced a common peril, formed a group and created a self-help fund out of which to pay compensation should any member incur loss. These companies often have special expertise that the insurance companies do not have.
Life insurance and saving
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against Illinois, West Chicago
Alaska, Arctic Village
South Dakota, Whitewood
Maryland, Maugansville
Oklahoma, Cardin
Louisiana, Sulphur
Missouri, Cooter
Indiana, Plainfield
California, Los Molinos
Texas, Baytown
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