A person buying insurance does so because he or she is concerned about the future. A house fire could lead to a financial wipe-out. A car accident resulting in hospitalization could result in savings-depleting bills without insurance. Insurance companies, however, concern themselves primarily with the past. They pay people called actuaries to create detailed models of risk using voluminous data from the past regarding medical diagnoses, life expectancy, damage due to natural disasters, auto accident statistics and myriad other pieces of information.…
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