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Your age , sex , marital status , driver record , car use , place of residence , policy limits , deductibles , type of car , and driver training are among these factors . Remember that these secondary residences are not automatically covered by the home insurance policy on your primary or principal residence . If you do business with an unlicenced agent or company , you have no guarantee that the coverage you pay for will ever be honored . That means that there is no deductible , or amount that you have to pay , for a covered medical expense . Some states require more stringent measures than those of the NFIP . However , some new laws are being proposed that would give disabled Medicare beneficiaries an open enrollment period . All others can make contributions to an IRA on a non-deductible basis . As if that by itself was not a difficult enough task , he has to worry about the pro-jihadi elements of the Pakistani army . An additional $ 25 charge is added to the premium for each flood insurance policy sold or renewed in the community . In view of the preceding , what should Musharraf do to create an effective campaign of public diplomacy ? More-careful local management of development in the floodplains results in construction practices that can reduce flood loss and the high costs associated with flood disasters to all levels of government . When Zia pushed his country toward his own version of " purified " Islam , Maududi played a crucial role in that campaign . Much - - although not all - - of the cost may be borne by the employer . A LOMA is the result of an administrative procedure in which the Federal Insurance Administrator reviews scientific or technical data submitted by the owner or lessee of property who believes the property has incorrectly been included in a designated SFHA . 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 . These expenses could include limited motel , restaurant and warehouse storage . Special Form ( HO-3 ) , the most popular of all homeowners forms , offers a broad range of coverage . To that effect , Blackwill played a very important role for India during the period 2001-2003 . Flexible premium deferred annuity - An annuity contract that permits varying premium payments from year to year , and which is often used for IRAs . But how does the Indian telecom story compare with that of China , the other amazing Asian growth story ? It answers some commonly asked questions and also includes thumbnail descriptions of other forms of health insurance , including hospital-surgical policies , specified disease policies , catastrophic coverage , hospital indemnity insurance , and disability , long-term care , and Medicare supplement insurance . This is the reason the big guns were hired to punch some holes in the opposition battery . FIA obtained the necessary clearances from other federal agencies to meet these conditions . You have the right to know about all your health care treatment options from your health care provider . These measures take a variety of forms and generally include zoning , subdivision , or building requirements , and special-purpose floodplain ordinances .