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mutual insurance

insurance company owned entirely by its policyholders

en-GB/ˈmjuːt͡ʃuːəl ɪnˈʃʊəɹəns/
en-US/ˈmjut͡ʃəwəl ˌɪnˈʃʊɹəns/

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legal formjuridical personlegal conceptinsurance companymutual organization