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. Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as perils. An insurance policy will set out in detail which perils are covered by the policy and which are not.

Insurance products may sometimes appear complex, but this doesn’t always have to be the case. Insurance policies usually become complex because when investment benefits are added to the plan. There are insurance policies for:

  • Individuals (Personal)
  • Businesses

If you take away the investment component of personal insurance policies, most policies that the general public take up will fall under one of the following three main categories:

  • Life Insurance
    • Annuities
    • Lump Sum Payments
  • Non-life Insurance (General Insurance)
    • Vehicle
    • Home
    • Personal Accident
    • Travel
    • Student
    • Liability
    • SME
  • Health Insurance

Contact Me for Any General Insurance Queries​

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