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Life insurance premiums grew by 9.8% during the year due to rising demand for annuity and pension products. Health insurance, which is coverage for individuals to protect them against medical costs, is a highly charged and political issue in the United States, which does not have socialized health coverage. The loss must not be catastrophic: If the insurer is insolvent, it will be unable to pay the insured. Avoiding, mitigating and transferring certain risk creates greater predictability for consumers and business, and allows people and anizations to use risk intelligently to maximize their opportunities. |
