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You should not change to a new program until you have carefully analyzed it and determined how you would benefit from it . Readers who need legal definitions should refer to the Standard Flood Insurance Policy and to Federal regulations . " In Behnoud 's opinion , Ali Larijani , the new top Iranian nuclear negotiator , has his own plans on that point , based on " a give and take involving the security of both Iran and Israel " . When title to a property is conveyed , any new or added flood insurance coverage on the property is effective when the title is transferred . Participation in the NFIP is based on an agreement between local communities and the federal government which states that if a community will implement and enforce measures to reduce future flood risks to new construction in special flood hazard areas , the federal government will make flood insurance available within the community as a financial protection against flood losses which do occur . Individual Retirement Account ( IRA ) - An account set up by an individual that in some cases allows contributions to be deducted from income and permits earnings on contributions to accumulate tax-deferred until retirement , regardless of whether the contributions are deductible . This annuity pays benefits to one or more designated persons until the last survivor dies . " As a result of a foolish diplomacy based on the destruction of Israel , Iran has suffered enormous diplomatic humiliations and economic losses , " said Dr Shahin Fatemi , a professor of Economy at the American University of Paris . times are specified from the date of receipt of all technical , scientific , or legal documentation . This literature is designed for readers who do not need a detailed history or refined technical or legal explanations , but do need a basic understanding of the program and the answers to some frequently asked questions . If you die before you have received as much money as you paid in , however , your beneficiary receives regular installments until the total payments equal that amount . A FHBM is based on approximate data and identities , in general , the SFHAs within a community . For instance , the addition of a room , new insulation and yearly inflation all increase the replacement cost of your home , while the actual cash value of the home may decrease over time .