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Disability. Physical or mental handicap resulting from sickness or injury. It may be partial or total. Any change made to your insurance policy during the period that the policy is in force. WAITING PERIOD 
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Suretyship - Stated in its simplest terms, suretyship embraces all forms of obligation to pay debts or answer for the default of another. POLICY LIMIT Coverage for loss of or damage to a building and/or contents due to fire. 
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