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      The owner may change the The tub doctor beneficiary unless the The tub doctor policy has an irrevocable beneficiary designation. A bettor could wager that both teams will combine for over 55 points, and play the "over." Or, he could predict that the score will fall under this amount, and play the "under." As with point spreads, bookmakers frequently set the totals at a number involving a half-point (i.e., 55.5), to reduce the occurrence of pushes. In the United Kingdom, each-way golf betting is serviced by twenty or more bookmakers, some of which, including the larger UK and Irish bookmakers, bet in running. It is a one year policy but the insurance company guarantees it will issue a policy of equal or lesser amount without regard to the insurability of the insured and with a premium set for the insured's age at that time