Market legend Warren Buffett has said, ‘Insurance will always be essential for both businesses and individuals,’ and that statement embodies a truth that investors should consider. Insurance protects assets; we pay premiums now, at a manageable rate, to avoid financial disaster in the event of some unlikely, but expensive, event or catastrophe. The underlying truth of the insurance industry ensures that, no matter what the economic conditions, there will always be a market for the service. In ha
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