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In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
The standardization of insurance education across Canada, with a uniform syllabus, uniform examinations, and consequently equal standing for all graduates regardless of education. A sound and equitable basis of company support of Insurance Institute work. To provide means of insurance education in other parts of Canada where it is needed. [24]
Risks that can be insured by private companies typically share seven common characteristics. [4]Large number of similar exposure units.Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses.
The institute, formerly known as Federation of Insurance Institutes (J.C. Setalvad Memorial) (Regd.), was created for the purpose of promoting insurance education and training in India. [1] The institute conducts examinations at various levels. It is the professional institute in India devoted solely to insurance education.
Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories - regulation of the business of insurance; regulation of the content of insurance policies, especially with regard to consumer policies; and regulation of claim handling wise.
They are used to prepare the statutory financial statements of insurance companies. Statutory Accounting Principles are designed to assist state insurance departments in the regulation of the solvency of insurance companies. [1] Although there are minor state-by-state variations, they are the basis for state regulation throughout the United States.
In insurance practice, an insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence, without repairment or damage, of the insured object (or in the case of a person, their continued survival). An "interested person" has an insurable interest in something when loss of or damage to ...