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When shopping for home insurance , premium quotations are a useful tool for comparison of different companies ' products . You and your spouse may each be covered under a health insurance plan at work but , under what is called a coordination of benefits provision , the total you can receive under both plans for a covered medical expense cannot exceed 100 percent of the allowable cost . This is an interesting idea but it overlooks one obvious difficulty : taxes are a lot easier to collect at the factory level than at the level of the small retail outlet . Whether you end up choosing a fee-for-service plan or a form of managed care , you must examine a benefits summary or an outline of coverage - - the description of policy benefits , exclusions , and provisions that makes it easier to understand a particular policy and compare it with others . In most cases , a community is an incorporated city , town , township , borough , or village or an unincorporated area of a county or parish . In 1991 , a 65-year old woman buying an immediate annuity could receive income of around $ 9,000 to $ 10,000 a year for life in return for a payment of $ 100,000 . More specifically , the United States is lobbying China to implement a number of reforms , including improved intellectual property rights ( IPR ) protection , currency revaluation and re-export restrictions on high-tech products . At the same time , both China ( Muslim-majority Xinjiang province ) and Russia ( predominately Muslim Chechnya ) face home-grown separatist movements , while Islamist movements in the Central Asian republics are a threat to the interests of both Beijing and Moscow .