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Wage differentials are due exclusively to differences in market structure.
Applicant for Insurance
An individual or entity applying for coverage under an insurance policy.
Independent Contractor
An individual who provides services to another entity under terms specified in a contract or agreement, without being legally considered an employee.
Insurance Contracts
Agreements between an insurance company and the insured, where the company agrees to compensate for specific losses in exchange for a premium.
Insurer
An entity that provides insurance coverage to individuals or organizations against financial loss.
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