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I don't really know and I should have said that but rather told the reason FB doesn't go a continuous twelve months is OIR will not allow it in Florida, must do two six months and not at the same time, but if the client has used any towards deductible or has a new condition under the first 6 months, will carryover to the 2nd 6 months.I thought the link showed Fl as 364 days
4 carriers sell 12 month terms in florida. 360 or 364 to be exact