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Hazard
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The exposure of vulnerability to injury, loss or damage.
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Home Office
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The headquarters of an insurance company, that typically houses the actuarial, claims, investment, law, marketing and service areas.
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Hospice
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Health care facility providing medical care and support services such as counseling to terminally ill persons.
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Human Life Value
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For purposes of life insurance, the present value of the family's share of the deceased provider's future earnings.
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