Discuss the relationship between risk and insurance.

There is a very close relationship between insurance and risk, which is reflected in the following points.

Risk is the prerequisite for the creation and existence of insurance. Without risk, there is no insurance.

Risks exist objectively. Insurance and risks threaten the safety of human life and material wealth at all times. Insurance and risks are not subject to human will.

The occurrence of insurance and risks directly affects the continuation of the social production process and the normal life of families. Insurance and risks thus give rise to people's need to compensate for risk losses. Insurance and risks Insurance is a method of economic compensation that is generally accepted by society.

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If both parties accept the conclusion made by the insurance company, no legal issues will naturally arise. The insurance parties will handle the corresponding matters according to the conclusion. If one party has objections to the conclusion, the insurance party can request a re-assessment or change the assessment subject.

, the insurance company can also petition the court to review the fairness and legality of the insurance assessment certificate.

Therefore, the life of an insurance adjuster lies in detachment, neutrality, and impartiality. Insurance cannot give up its position of detachment and insurance impartiality because the client pays.

?Extended information: First of all, basic protection insurance is needed, including critical illness insurance, term life insurance, accident insurance, and medical insurance, to transfer personal risks such as illness, death, and accidents, protect the normal life of the family, and avoid our property losses.

Secondly, elderly care and education are inevitable needs of every family, and they are also two large expenditures for family finances.

Annuity insurance such as pensions and education funds can provide us with safe, stable, and continuous cash flow to deal with expenditure risks such as fund misappropriation, investment errors, and excessive consumption.

Finally, for high-net-worth individuals, risks such as marriage, debt, taxation, and inheritance need to be considered. Through the design of whole life insurance and large annuity insurance plans, the corresponding financial risks can be solved, and the risk isolation and inheritance of family wealth can be carried out.