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  • Aletha Pauline Cobb (1926 - 2015)
    Aletha Pauline (Parsons) Cobb, 88 years old and a happy resident of Home Sweet Home in Nampa passed away early Saturday morning, January 10, 2015. Memorial services will be held at 5:00 p.m. Monday, Ja...
  • Marion "Bush" Quisenberry (1918 - 1979)
    Sunday, October 14, 1979, Lexington Herald, Lexington, KY QUISENBERRY Marion Bush Quisenberry, 61, of the Colby Road, died at 8 am Saturday at the St. Joseph Hospital after a short illness. Born in Cla...
  • Thomas Wyatt Reavis (1951 - 2019)
    Mr. Thomas Wyatt Reavis, 67, passed away Wednesday, June 12, 2019, at Bethany Woods Nursing Home in Albemarle. A funeral service is scheduled for 2:00 pm Saturday, June 15, 2019, at Lady's Funeral Hom...
  • Rulon Cash Duncan (1920 - 2022)
    Rulon Cash Duncan passed away peacefully on 3 April 2022. He was 101 years old; three months shy of his 102nd birthday. Rulon Cash Duncan was born 22 June 1920 in Worland, Wyoming to Charles Duncan a...
  • Thomas Marcellus Ludden (1866 - 1931)
    THOMAS M. LUDDEN, the subject of this sketch, was born in Clinton County, Ohio, July 21, 1866, but his parents brought him to Adair County when he was three years old. They settled in Clay township bef...

This project is for Insurance Agents, Insurance Salesmen, Insurance Underwriters, Claims Adjuster, Actuary, Risk Consultant, Claims Processor, Policy Processor, Customer Service Rep., Insurance Broker or Corporate Finance Officer.

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known - relatively small - loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.

The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer to the policyholder for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. A mandatory out-of-pocket expense required by an insurance policy before an insurer will pay a claim is called a deductible (or if required by a health insurance policy, a copayment). The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risks, especially if the primary insurer deems the risk too large for it to carry.

Types of Insurance

  1. Life Insurance or Personal Insurance
  2. Property Insurance
  3. Marine Insurance
  4. Fire Insurance
  5. Liability Insurance
  6. Guarantee Insurance
  7. Social Insurance