Whether insurance is?

In broadcast news on television, radio, newspapers and other mass media we often hear of floods, earthquakes, hurricanes, volcanic eruptions, tsunami, aircraft accidents, tergelincirnya train, robbery, and other incidents.
They surely have impact on the lives and financial losses.
And in the current era, many people do not realize that an innovation to the sophisticated technology is also accompanied by various risks, for example: The plane was flying one of the best medium of transportation in the world have at this time, because it has advantages such as speed in reaching the destination, but who who dare to bet that the aircraft that we can tumpangi landed safely ..?

So also in daily life, no man on earth is this a loss when it came to the accident or ourselves, and how the family fortune when we die or disability due to an accident.

Of the many risks that we face is the insurance mechanism in the right minimize losses we will suffer.

Some kinds of insurance:
1. Loss insurance is insurance that provides indemnity to the Insured suffers the loss of goods or own property, damages which occur due to disaster or danger to which this insurance is held, whether the loss of:
- The loss or the value of life
- Lack of value or
- Lost profits are expected by the Insured.

Underwriter does not have to membayarganti loss kepadatertanggung if during the period of the object does not guarantee the disaster or be a danger.

2. Life insurance is an agreement about payment of money and favors from the premium associated with someone living or dead, including agreements with the insurance money back with a note of the agreement does not include accident insurance policy

3. Social Insurance
Insurance is a guarantee to the public and held by the government, namely:
- Traffic accident insurance (Raharja services).
- Insurance Taspen, ASTEK. Askes, Asabri.

The nature of social insurance
- Can the insurance losses
- Can be life insurance.