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How Insurance Companies Calculate Insurance Premiums
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[QUOTE="sincerem, post: 260927, member: 25228"] That's absolutely true with your points. Insurance companies aren't charity given entities or Enterprise, they came for business. Insurance is a win win business for the both parties. If someone goes into homeovers insurance, health/life insurance, car insurance etc, the risk will be calculated first before issuing out the cost of subscribing for such premium plan for the insured. Insurance companies wouldn't offer same premium price for someone who is battling with serious illness to someone who isn't threatened with a serious health disorder when it comes to health/life insurance policy plan. Insurers are very much careful with their premiums to avoid being on floating loss given out insurance packages to their customers. That's business they're operating, they will always work to stay at the safer side to make profit and not loss. Same too, goes to the insureds, they want to invest and secure their future and not lose it all, that's why it is a win win investment for both parties. [/QUOTE]
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