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Insurance enables individuals, businesses and other organizations to protect against the significant risk of loss and hardship at a reasonably affordable price. We say, "important" because if the potential loss is low, it makes no sense to pay a premium to protect the loss. Finally, you will not have to pay a monthly premium to protect against a loss of $ 50, because it will be the closest thing to a financial emergency.
Insurance is useful if you want to protect against significant financial loss. Corporate life insurance as an example. If you are the mainstay of home, loss of income, because of our experience premature death as a loss and significant challenges, you need to protect your family against. It would be very difficult for his family to replace your income, so ensure that monthly premiums that when you die, your income will be replaced by the sum insured. The same principle applies to many other forms of insurance. If the potential loss will have a detrimental effect on the person or entity, feeling safe. (For more information, see 15 sure is not necessary.)
An individual will be for you or someone else wants to protect against financial difficulties considered safe. These may include:
The protection of the family, died after a loss of income
Ensuring debt after death
covering liabilities
Protection against death of a key employee or someone from your company
Buying a partner or co-partner after his death
Protect your business against business interruption and loss of income
Protect yourself from unexpected health problems
Protecting your home against theft, fire, water and other hazards
Protect yourself from lawsuits
Protect yourself in case of disability
Protect your vehicle against theft or loss incurred due to accidents
And much more
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