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Certain life insurance contracts accumulate money values, which may be taken by the insured if the policy is surrendered or which can be borrowed towards. Some insurance policies, avoidingplastic.com similar to annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it's needed. Vehicle insurance protects the policyholder towards monetary loss within the event of an incident involving a car they own, corresponding to in a site visitors collision. The most complicated facet of insuring is the actuarial science of ratemaking (price-setting) of insurance policies, which makes use of statistics and chance to approximate the rate of future claims based mostly on a given risk.