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What Is Insurance?
Everyone goes through bad times, the idea and business of insurance was created to spread the result of a financial loss among many people, so the impact would not be so great to any one person. They just spread it out the cost to everyone.
The nuts and bolts of insurance are pretty simple. There are basically two players in the insurance arena. There is the insurer who collects your monthly insurance payment called a premium, and an insured, the person or business paying the premium.
The relationship between the insurer and the insured is covered in writing by a document called a policy. This policy outlines what the insurer (gets the premium) will pay if the insured (paying the premium) is involved in a situation that would require him to file a claim. A claim is “demand for something as rightful or due” in this case, it would be what ever terms were covered in the policy. That’s what insurance is. Like the guys below us. We are here to explain the confusing and help figure out the language thats driving you nuts. Go GroovyInsurance!
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Child term life insurance will insure a child who is stricken with a health condition. Children can suffer from diseases such as HIV, AIDS, and various types of cancer just as adults can; therefore, purchasing term life insurance is a practical choice for parents or legal guardians of children with these or similar conditions.
Some companies require you to take your pension plan in the form of an annuity payout; essentially monthly payments for your life. More and more companies, however, are giving you the option of taking your pension as a lump sum distribution instead of an annuity payout. I made my money HERE.
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