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3-22 The cash surrender value of a life insurance policy represents the payment to the insured's beneficiaries at the time of death.
Generalised Anxiety Disorder
A mental health disorder characterized by persistent and excessive worry about a range of different things.
Panic Disorder
A psychiatric disorder characterized by unexpected and repeated episodes of intense fear accompanied by physical symptoms.
Hypochondriasis
A condition involving excessive preoccupation or worry about having a serious illness, often based on misinterpretation of bodily symptoms.
Phobic Disorder
Phobic disorder is a type of anxiety disorder characterized by an excessive and irrational fear of a specific object, situation, or activity.
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