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Insurance

Pensions

Retirement income programs, also known as retirement plans, are designed to financially support employees once they reach a certain age and have completed a specified length of service. These plans are often managed by life insurance companies, who hold a portion of the funds. They serve as a valuable source of financial security for employees, ensuring a stable and comfortable retirement.

Underinsurance

As we delve into the area of insurance, it is important to understand the concept of underinsurance. This refers to the situation where a policyholder has not purchased enou...

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Loss adjustment expenses

Insurance companies must account for the expenses incurred in investigating and resolving insurance claims, which also includes the costs of defending a lawsuit in court. Th...

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Private insurance

Private sector insurance refers to the coverage provided by companies, as opposed to government insurers. Understanding this distinction is crucial in the world of finance. ...

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Spread of risk

Insurance companies use a concept called diversification to minimize the risk of losses among their policyholders. This means selling insurance to a large number of people i...

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