Englishfor English speakers
unearned
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adjective
not gained by merit or labor or service
accepted the unearned rewards that came his ways as well as the unearned criticism
unearned income
an unearned run
premium
Noun
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A premium is an amount of money paid for insurance.
He had to pay a higher premium after his house burnt down.
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Premium is something that high quality and in short supply.
We had to pay a premium price for a glass of water in the desert.
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A premium is a bonus or reward.