There are a number of benefits to financing insurance premiums. Included in these overall limits are insurance premiums. These states tend to have the highest premiums for individual health insurance. Training course graduates may qualify for reduced insurance premiums. These perceptions have also led to increased premiums for liability insurance. This would have replaced the private health insurance premiums currently paid by employees and companies. Employees and dependents lose coverage if they fail to make timely payments of these premiums. The actual calculations required to compute fair insurance premiums are complex. There is often an added incentive to riders in the form of reduced insurance premiums. Alaskans already pay the highest health care premiums in the country. Any surplus in the common pool of accumulated premiums should be redistributed to the insured. Pension term assurance is effectively normal term life assurance with tax relief on the premiums. Employers contribute 1.4 times the amount of employee premiums. A component of such premiums may reflect the increased cost of production. Together they made up almost USD 22 billion of global liability premiums in 2013.