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International Talk Like a Pirate Day Sept 19th


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A pirate with a wooden leg wanted to buy fire insurance for his peg leg.

The first actuary quoted an annual premium of $500, estimating that the leg would burn once in 20 years and the value of the leg is $10,000.

The second actuary quoted an annual premium of $50. When the second actuary was asked how he arrived at such a small figure, he replied, "I have this situation in the fire schedule rating table. The object is a wooden structure with an upper sprinkler, isn´t it?"

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