Insurance

Insurance, in simple, means a "transfer of risk".Insurance is an arrangement by which a company or the state undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.

Insurance in its most basic form where a group facing a common risk gets its members to contribute a certain sum of money (premium) which is then paid out to the member who actually suffers loss due to the risk.

In modern times the group administration is done to profit the Insurance Company. The insurance company collects premium from all the members of a group carrying the risk and then pay out the sum to the member who actually suffers from the loss and keeps a profit margin for itself.

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Why Insurance Broker?

An insurance broker is an independent insurance agent who works with many insurance companies to find the best available policies for their clients.

Insurance brokers help people to find insurance companies, plans, and products that meet their particular needs.

An insurance broker may specialize in one specific type of insurance or deal in many different types, including health, life, auto, home, and other specialized varieties of insurance. Those who choose to deal in insurance of an investment nature require special training and must also obtain special licenses from the Securities and Exchange Commission or other associations that deal with investments.

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