close the gap that exists between health and disability plans, making sure that survivors are financially supported throughout their recovery process," explained Lew Whalen, vice president of Stonebridge. Title: Criticism of Insurance Word Count: 436 Summary: Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesnÆt burn down next Keywords: Home Insurance, policies, insured, premiums, finance, contracts, insurance, insurance broker, protection Article Body: Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesnÆt burn down next, or could pitch in and pay an insurance premium each month and this is then used to rebuild the house that burns down. Very simply this is how insurance works. It is a method of spreading a risk over a far wider area, so that it will not be as devastating as if it was concentrated solely on the person who experiences the loss. Exclusion Clauses There are a few problems with this however and they attract much criticism. One criticism is that by taking on the risk for people, insurance makes people take greater risks than they otherwise would. For example, if you know your home contents are insured against burglary, then you may not be as careful about locking the doors and windows every time you leave the house. Or if your bike is insured, you may not bother to lock it as much as if it wasnÆt insured. In the insurance industry, this problem is known as the moral hazard. Insurance companies protect themselves against this by inserting exclusion clauses into their contracts, which remove their obligation to pay out if the insured performs or fails to perform certain stated actions. They might for instance require that you fit smoke detectors, or use good locks on your doors, or other things that will reduce the risk of the insured against event occurring. Too Complex There are also certain risks that you are not allowed to insure against in most countries. This is first of all because it would be too difficult for the insurance companies to quantify, but mostly itÆs because they are risks that governments want the person at risk to bare himself or herself.
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Giovany Vito Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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