insurance terms retention

What is the meaning of "restraint" in the insurance cntext WTH?
Two different meanings – as reported by others, which means the percentage of policies renewed annually. However, it can mean, to what extent an insurance claim that you pay yourself before the policy kicks in – and the retention of a "self-insured." Something similar to a franchise, but you must pay first. ** I 'm AWE rate to 97% withholding Sue .**
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