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The purpose of insurance is to prepare for and manage risk in a given event in the form of a premium paid by the person planning against the risk by the agent prepared to cover the risk of the event of it happening. This type of contract is carried out tens of thousands of times each day and is the basis of how we now live and survive in our society. The premium an individual or company pays is based on the probability of a given event happening at any given time calculated by actuarial tables...