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Insurance is basically a transfer or risk, you pay a premium in exchange for a policy that the insured promises to pay out at the time of loss. Reviewing your insurance policy on a yearly basis is a good idea, by doing this you will always be up to date on coverages and premiums your paying, there are many helpful sites on the web that can assist with this as well, not to mention shopping around for the best price and coverage, here at bankmode.com our partners can assist you with finding just that.