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An entity in search of to transfer risk (an individual, corporation, or association of any sort, etc.) becomes the ‘insured’ party once threat is assumed by an ‘insurer’, the insuring party, by signifies of a contract , named an insurance policy Usually, an insurance contract consists of, at a minimum, the following components: identification of participating parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the distinct loss occasion covered, the quantity of coverage (i.e., the quantity to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered).

However, the use of such elements is often regarded as to be unfair or unlawfully discriminatory , and the reaction against this practice has in some situations led to political disputes about the techniques in which insurers establish premiums and regulatory intervention to limit the factors utilized.

Annuities provide a stream of payments and are normally classified as insurance since they are issued by insurance organizations, are regulated as insurance, and demand the same kinds of actuarial and investment management knowledge that life insurance requires.

Overall health Policy and Strategy Associates , LLC (HPSA) is a Washington, DC primarily based firm that specializes in maintaining its customers abreast of the health policy debate in the nation’s capital as well as developments in the health care marketplace.