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An insurance means a promise of reimbursement in the case of loss; which is paid to people or companies so concerned about hazards that they have made earlier prepayments to an insurance company.

This share the costs of the risk of incurred losses, whether for health expenses or property and casualty losses, across a base large enough to protect any one entity against the actual costs of an incurred loss.  this gives a Protection from certain losses in the future in exchange for periodic payments. You can buy insurance that will pay you specific amounts in case of injury, death,  accident, or other damage.


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