How do insurance companies determine the cost of their policies?

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Are there any restrictions on how much insurance companies can charge for their policies?
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How does insurance regulation ensure financial stability?
What type of data is collected and used for risk evaluation in the insurance industry?
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What documents are necessary to obtain an insurance policy?
What measures should be taken to ensure consumer protection in the insurance industry?
What is the difference between captive and excess insurance?
What measures should be taken to reduce the number of insurance frauds?
Are there limits on how much insurance companies can charge?

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