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Some companies waive the surrender charge if the interest rate being credited to the contract falls below a specified level . Delivery is usually within two to four weeks . Kazakhstan , primarily because the target company is one of the top operators in the country . Until recently , such coverage was generally unavailable from private-sector insurance companies . When comparing costs , be sure each company is quoting on the same basis . 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 .