Insurance - Life is full of unexpected risks or unexpected, that's why we need to understand about insurance. Some natural events that occurred in recent years and takes a lot of casualties, both fatalities and property, such as reminding us of the need for insurance. For every member of society including the business world, the risk for experiencing misfortune (misfortune) are always there (Kamaluddin: 2003). In order to overcome the losses incurred, humans developed the mechanism which we now know as insurance. The main function of insurance is a mechanism to transfer risk (risk transfer mechanism), which transfer risk from one party (the insured) to another party (the insurer). Risk transfer is by no means eliminates the possibility of misfortune, but the insurer to provide financial security (financial security) and tranquility (peace of mind) to the insured. In return, the insured pays the premium in a very small number when compared with the potential losses that may be suffered (Morton: 1999).
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