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Across 3. fees your heirs pay when you die 6. builds cash value and can be paid off 7. cost to own insurance policy 9. person or company protected against loss 12. unnecessary if you have good health insurance 16. an event (fire/storm) that causes loss 19. extra time to make the payment 23. Group Health and Bess Kaiser are examples 24. pays if your car is stolen 25. portion paid by policyholder after meeting deductible 26. insurance salesman's income 27. request for reimbursement for loss 29. professional insurance salesman 30. what policyholders pay for damage or loss

Down 1. pays your salary if you are unable to work 2. children are an example of these 4. inexpensive, costs more for older people 5. maximum amount insurance co. is willing to pay 8. sums of money paid for losses 10. becoming obese or driving drunk are both examples 11. policy for a group of workers from the same company 13. amendment that changes the policy 14. unable to provide coverage for this 15. the insurance company 17. written insurance contract 18. who gets the benefits from the policy 20. not paying premium on time results in this 21. protection provided by the policy 22. responsibility for loss or damage 28. reduction of the value of property due to peril