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â¢ Insured Earnings is the earnings as. described in your policy and used to. calculate your employeeâs benefits. â¢ It can vary depending on the definition. you choose for each eligibility group. â¢ Changes to insured earnings become. effective at the Insured Earnings.
1 Valued Policy --A policy in which the insured and the insurer agree on the value of the property insured, that value being payable in the event of a total loss. 2  The Standard Flood Insurance Policy (SFIP) is not a valued policy.