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    <description>Dual benefits for a single insured event are not permissible under applicable insurance law and regulatory guidance; when two policies cover the same death, the operative principle is prevention of double recovery and entitlement is limited so that a single loss does not generate duplicate payouts.</description>
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      <description>Dual benefits for a single insured event are not permissible under applicable insurance law and regulatory guidance; when two policies cover the same death, the operative principle is prevention of double recovery and entitlement is limited so that a single loss does not generate duplicate payouts.</description>
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