We all live free, but sad to say that we are exposed to risk, dangers, accidents and calamities. And because of these, insurances came into our lives. But what are insurances? and why do we need to get ensured? Well, insurance is a form of risk management which primarily is used to hedge against the risk of a contingent loss. It also serves as an equitable transfer of risk of a loss, from one entity to another, in exchange for a premium. In other words, Insurance provides a means for individuals and societies to cope with some of the risks faced in everyday life.

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