This is a can of ready-to-go dulce de leche, but Iâve always thought it was cool that you can pretty much make this yourself by simmering cans of sweetened condensed milk! Itâs nice if youâre stuck in Antarctica and need dulce de leche but canât find any in your local supermarket.
Using either simply to reduce premiums is foolish, and could prove to be very dangerous. A self-insured retention means that the insured carries a fixed amount of risk, including adjusting and legal expenses. The insurance policy, whether a primary or umbrella contract, is excess coverage above the SIR.
Other Insurance Policies. Other insurance policies such as those for your car or home should be kept at least as long as the policy is in force so you can reference its terms, conditions and exclusions in the event of a claim.nce the claim is paid there is no longer a need for the policy, and if you cancel the policy with no intention of reinstatement you can shred it. Term life insurance policies should be kept until the policy term expires.