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      If the player tries to redeem a winning ticket when the next drawing starts, it is void and no money is paid out. To avoid having a void ticket, a keno player can purchase a "multi-race" ticket with the same picked numbers on Discontinued toilet tanks anywhere from 2 to 20 tickets. These companies often have special expertise that the insurance companies do not have. Life insurance and saving Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. However, when the pool is self-selecting rather than random, as is the case with individuals seeking to purchase health insurance directly, adverse selection is a greater concern.[8] Some individuals have extremely high medical expenses, in extreme cases totaling a half million dollars or more