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Easy to customize

They help one customize the life insurance policy according to one's needs. .

Get to know how insurance works

Insurance is a financial product sold by insurance companies to safeguard you and / or your property against the risk of loss, damage or theft (such as flooding, burglary or an accident).Some types of insurance you have to take out by law such as motor insurance if you drive a vehicle; some you may need as a condition of a contract such as buildings insurance as a requirement of your mortgage; and others are sensible to take out such as life insurance or saving for a pension.

While it is a good idea to make sure you are not paying for insurance that you don't need, you should always think about what would happen if disaster struck and you didn't have cover to protect you.You can buy insurance policies for many aspects of your life, for example for your health, home, car, business, or retirement.An insurance policy is the contract that you take out with an insurer to protect you against specific risks under agreed terms.

Standard policy conditions

Although policies have different terms and conditions, in general there are three main principles that are common across all insurance policies. These include:

Cover is provided for the actual value of the property or item that has been lost or damaged (its replacement value), but does not include any sentimental value

There needs to be a large number of similar risks so that the likelihood of a claim can be spread among other policyholders.

It must be possible for insurers to calculate the chance of loss so that a premium can be set which matches the risk

Is the person who wants to take out a policy a bigger or smaller risk than the 'average' policyholder (for example, a young person with a high-powered car may be charged a higher premium as they are statistically more likely to be involved in an accident than a mature, experienced driver)?