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Insurance Companies

With so many insurance companies offering a vast range of types of cover, it can be a daunting task to select the right product for your needs. But insurance companies can help you protect yourself against the risks of everyday life, and for that reason it's worth doing the research and making sure you're covered.

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Understanding how insurance companies work, and how their service is designed to help you, is a useful first step. The basic principles are the same for all kinds of cover, whether it's medical, travel, or property-related. An insurer assesses the level of risk of something happening to you, and then calculates how much you will need to pay them in 'premiums' to provide 'cover' in case you do need to make a 'claim'. To keep costs to customers low, insurers also invest the money you pay them in the stock market. Where the level of risk is low, insurers will offer lower premiums, because the likelihood is much less that they will need to pay for a claim.

You may be more used to the idea of insuring your property than you are yourself, but, increasingly, customers are turning to private insurers to offer them additional reassurance and peace of mind when it comes to their health. With the resources of the National Health Service becoming increasingly stretched, private health insurers are playing a bigger role. Unlike the NHS, private insurers will base their premiums on lifestyle factors, age and gender, and every customer's premium will be individually calculated.

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