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New Zealand-based Tower Ltd. said that its new risk-based insurance pricing strategy helped the insurer to swing to a profit of nearly 12 million New Zealand ($8 million) in the six months ended March 31, Stuff.co.nz reported. Tower had suffered a loss of NZD 11.6 million in the six months ended March 31, 2018. Tower said that risk-based pricing allowed the insurer to reduce exposure to disaster-prone areas by 16% and reduce claims.