Types of insurance Auto insurance Auto insurance protects the policyholder against financial loss in the event of an incident involving a vehicle they own, such as in a traffic collision. Types of insurance Health insurance Health insurance is insurance against the risk of incurring medical expenses. By estimating the overall risk of health care expenses, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. Types of insurance Life insurance Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount (at regular intervals or in lump sums). Types of insurance Property insurance Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Types of insurance Credit insurance Credit insurance is a term used to describe both business credit insurance (a.k.a. trade credit insurance) and consumer credit insurance, e.g. credit life insurance, credit disability insurance (a.k.a. credit accident and health insurance), and credit unemployment insurance. Top 5 General Insurance Companiesin the first semester of 2010 The most famous insurance The superliner Titanic Many alternative theories to the sinking of the superliner Titanic have been put forward. The accepted reason for the sinking, which resulted in the death of more than 1,500 people, is that the ship struck an iceberg on 14 April 1912 and sank two hours and 40 minutes later. Hypotheses which have been suggested as the cause of the disaster include unsafe speed, an insurance scam, an ice-pack rather than an iceberg, and even a curse on the ship by the Unlucky Mummy.
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