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Life insurance contracts are: unilateral, valued, aleatory and contracts of adhesion. Give examples of contracts that are the opposite. That is , what is an

Life insurance contracts are: unilateral, valued, aleatory and contracts of adhesion. Give examples of contracts that are the opposite. That is, what is an example of a bilateral contract? What is an example of an indemnity contract? And so on.
Describe what a policy reserve is for life insurance. Why is this amount listed as a liability on the company's balance sheet?
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