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Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an ...
Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the policyholder or a beneficiary) for specified loss or damage to a specified thing (e.g., an item, property or life) from certain perils or risks in exchange for a fee (the insurance premium). [2]
Universal life insurance is best suited for those who want to have some control over their life insurance investment returns. “Universal life insurance offers the benefits of whole life ...
Peer-to-peer insurance. Pension insurance contract. Pension term assurance. Perpetual insurance. Political risk insurance. Pollution insurance. Prize indemnity insurance. Professional liability insurance. Property insurance.
The first one is easy because, unless you live in New Hampshire, you have to have it by law: auto insurance. Regulations vary by state, although nearly all 50 require liability coverage at a ...
The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types. Open peril coverage means losses are ...
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