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Insurance is any kind of program that allows people to protect themselves from major disasters by combining their risks with other people's and paying into a pool, which will pay out money if you experience a specific kind of adversity like illness, injury, death, or car damage.
Being insured allows you to transfer the risk of a catastrophic financial loss to the insurance company. And if you don't have a policy when you need one, it could mean big trouble. The nature of insurance means you can't decide to get it once the disaster occurs and you find yourself uninsured. You should get all your policies in place while things are going swell and you're still insurable in the eyes of the insurer.
