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Or would you be comfortable in a managed care setting that might restrict your choice somewhat but give you broad coverage and convenience ? After your policy is in effect 60 days , the company cannot cancel except for stated reasons , such as your failure to pay the premium or your losing your license to drive . When you receive group insurance at work , the premium usually is paid through your employer . literature to make sure the one you select fits your needs . Indeed , in the space of less than a decade , with the introduction of wireless telephony in 1995 when the first mobile phone call was made at a princely cost ( by Indian standards , because fixed line telephony tariffs were charged at Rs 1 per 5 minutes ) of Rs 16.80 per minute ( 40 cents US ) , India 's emergence as a global growth story on steroids is noteworthy . The CRS reportThe CRS report said : " Observers note that US-India cooperation could have wide-ranging implications for the international nuclear non-proliferation regime , and could prompt other suppliers , like China , to justify their supplying other non-nuclear-weapon states ( as defined by NPT ) , like Pakistan ... You should check with your agent or your insurance company to determine if the amount of coverage on other structures is sufficient . Think about your personal situation . Long-term care policies cover the medical care , nursing care , and other assistance you might need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time . To do so , talk with a qualifies life insurance agent or financial advisor .