| http://www.w3.org/ns/prov#value | - (1) Insurance contract means any agreement or other transaction whereby one party, the insurer, is obligated to confer [a] benefit of pecuniary value upon another party, the insured or beneficiary, dependent upon the happening of a fortuitous event in which the insured or beneficiary has, or is expected to have at the time of such happening, a material interest which will be adversely affe
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