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Individuals and businesses can purchase insurance directly from an insurer or through an agent or commercial broker. Insurance agents may be employed by a single insurance company (known as captive agents) or they can be independent brokers who represent multiple companies at once.

Aside from reducing the risk of major financial loss, insurance also provides individuals with a sense of security and safety. It gives people the confidence to take chances or invest in things they might otherwise avoid, knowing that a financial loss due to unforeseen events is partially mitigated.

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