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  • John James Gilmore, III (1926 - 2014)
    John James Gilmore, Jr. of Greenfield, Mass., passed away peacefully at home on Thursday, March 13, 2013. Born on Feb. 1, 1926, he was the son of John J. and Charlotte H. Gilmore. He attended Greenfiel...
  • Allen Jonas Carbaugh (1881 - 1968)
    GEDCOM Note ===Gettysburg Times 9/5/1968 Allen J. Carbaugh, 86, Main Street, Arendtsville, died at his home at 4:30 o'clock Wednesday afternoon after an illness of several years. A native of Adams Coun...
  • Harry Lee Harsha (1944 - 2015)
    Harry Lee Harsha, 71, of Hudson, passed away at 12:19 p.m. on Thursday, November 26, 2015 at his residence. Cremation rites have been accorded His visitation will be held from 4-7:00 p.m. on Thursday,...
  • Ronald Grant Woll (1936 - 2022)
    Ronald G. Woll Ronald Grant Woll, age 86, passed away November 6, 2022, at his home in Twin Falls, Idaho of natural causes. Ron, the eldest of four sons, was born October 4, 1936 in La Grande, Oregon t...
  • Neal Herndon Barbee (1932 - 2011)
    Neal Herndon Barbee, 78, of Baytown, passed away on Monday, May 16, 2011, at The Methodist Hospital in Houston, following a courageous battle with cancer. Mr. Barbee was born November 21, 1932, in Ho...

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