111.   But the Senate legislation omits a provision sought by southern lawmakers that would allow grower cooperatives to sell the policies in competition with insurance companies.

112.   By selling the policy, the owner can then gift the proceeds to different family members in order to remove the money from the estate.

113.   However, many Europeans believe the mission is designed to sell a policy rather than forge one in consultations with allies.

114.   Insurers that sell policies in North Dakota must have Insurance Department approval of their rates.

115.   Many Europeans suspect the mission is designed to sell a policy rather than forge one in consultations with allies.

116.   Often they sell policies they no longer need, that are outdated, or whose premiums they no longer can afford to pay.

117.   Older policyholders may find they cannot afford the premiums any longer and can sell the policy for cash, or they may no longer need the policy.

118.   Reinsurance companies sell policies to protect insurance companies against big losses.

119.   Some may even sell a policy early in order to reduce estate planning taxes.

120.   The agents are under no legal obligation to sell the policy, CAARP regional director Richard Manning said.