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In general, people are willing to pay more than the expected value of insurance because:
Birth Complications
encompass any problems that occur during labor and delivery, which can potentially affect the health of either the mother or the infant.
Sex-Hormone Levels
Refers to the concentrations of sex-related hormones in the body, such as estrogen, progesterone, and testosterone, which can influence physical development and behavior.
Sexual Responses
The series of physiological and emotional changes that occur in the body as a result of sexual stimulation.
Reproduction
The biological process by which new individual organisms are produced by their parents.
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