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The NFIP is a federal program enabling property owners to purchase insurance protection against losses from flooding . Select the supplement policy which fits your needs , and then purchase that plan from the company which offers the lowest premiums and best customer service . His best option now appears to be to quietly strive to reduce or eliminate entirely the influence of the pro-jihadi block within the Pakistani army . " Instead , he called for a greater role for government policy in guiding capital allocation decisions on the grounds that this would greatly reduce investment volatility and thus help to eliminate boom-bust economic cycles . Political commentators interpret the remark as a prelude to the watchdog group 's crusade against corruption in the sector . Instead of lump sum benefit payments , many life insurance beneficiaries choose to use their policy 's proceeds to purchase an annuity . On the second , her chief negotiator in the six-party talks for de-nuclearizing the Korean Peninsula , Assistant Secretary for Asian Affairs Christopher Hill , was given significantly greater flexibility to engage the North Koreans directly in discussions than Powell was ever able to get . There are also limits on the level of Sino-Russian military cooperation - while both states may engage in joint intervention in Central Asia , Russia is unlikely to intervene in a conflict over Taiwan , just as China is unlikely to get involved in Chechnya . Private insurance companies participating in the Write Your Own ( WYO ) program must be licensed and regulated by states to engage in the business of property insurance in those states in which they wish to sell flood insurance . Condominium associations may purchase a condominium master policy that covers both the common elements of the building and the individual units owned by the members of the association .