Insure yourself wisely

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      <subfield code="a">Over the course of our lives, most of us experience a number of key events, such as buying a home, changing jobs, buying a car, planning a trip abroad or starting a family. These important and exciting events may also come with risks. This booklet explores some of those events and looks at how to best use the many different types of insurance that are available in order to help you manage the related risks and your financial planning. Insurance works by pooling the losses of the few to be spread among the many. For many common, predictable risks, insurers are able to calculate their likely frequency and cost to the pool. They can then sell individual insurance policies which, for a smaller, known premium, give you the peace of mind and security to carry out your daily activities because you no longer face the risk of a larger, potentially unaffordable loss. Indeed, without insurance, many aspects of modern societies could not function because the risks to the individual person or business would simply be too great.</subfield>
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