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The two planes that crashed into the Twin Towers on 11 September 2001 were responsible for a number of unprecedented events, including a $4.5 billion (£2.75 billion) payout, which ranked as the largest single insurance claim in history. But it was not just replacing the buildings that cost the insurance industry - with the World Trade Centre (WTC) housing a large number of financial companies, the 3,000 deaths meant a massive group life payout for insurers.

Group life is essentially a simple

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