Since the dawn of human kind, risk was to be managed
In an insurance contract, one party agrees to insure the risk potentially suffered by another party against the payment of a premium. If the negative event occurs, the insurer will pay a sum of money to compensate for the damage (casualty and property insurance) or an annuity or capital as a form of pension (life insurance). There are many more kinds of insurance contract but the common feature of them all is the request for security and the need to reduce risks in our life.
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