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They: Based their pricing on life-insurance and disability-insurance models under which the policyholder stops paying premiums when a claim — regardless of how small the amount — was filed and approved.

This conclusion is supported by both theoretical models and empirical evidence ( Edmans, Gabaix, and Jenter 2017).

OCBs include volunteering at nonprofits, helping others, following company policies as a positive role model for other employees, behaving enthusiastically and courteously to strengthen norms of civil conduct, and supporting and promoting the organization’s reputation as a good place to work as an influencer to external parties.