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Global insurance industry adequately capitalized to withstand the financial crisis of 2008 and 2009, and most insurance companies, their capital back to the level of the end of 2010. With the continuation of the gradual recovery of the global economy from the crisis is likely that the insurance industry also continued good growth in premium income to see the country's industrial and emerging countries in the 2011th
Legal Principles of Insurance: When a company insures an individual entity, there are basic cited legal principles of insurance include
- #1 Indemnity
- #2 Benefit insurance
- #3 Insurable interest
- #4 Utmost good faith
- #5 Contribution
- #6 Subrogation
- #7 Mitigation
- #1 Auto insurance
- #2 Gap insurance
- #3 Health insurance
- #4 Accident insurance
- #5 Life insurance
- #6 Burial insurance
- #7 Property insurance
Profit and investment insurance The business model is to collect more in premium and investment income than is paid out in losses, and to also offer a competitive price which consumers will accept. Profit can be reduced to a simple equation: \Profit = earned premium + investment income – incurred loss – underwriting expenses.