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Harry Homeowner pays premiums on his homeowners policy for 30 years but never files a claim because he suffers no losses. Cassandra Cottage insures her newly purchased home and, just 2 months after buying and insuring it, files a claim for a major fire loss. These two examples illustrate that an insurance contract is a(n) _______________ contract. a. personal b. immoral c. unconditional d. aleatory

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