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Where's the postbox? https://www.singingriverretirement.com/stmap_21snbbax.html?nabumetone.le... vigora tablet for female More realistic lapse rate assumptions: Insurers underwriting LTCI back in the 1980s and 1990s assumed that about four percent of policyholders would let their policies lapse before they ever filed a claim - either voluntarily or "involuntarily" - an industry euphemism for death. In reality, lapse rates have been only one percent.