If you have ever carefully read a proposal form of any type of insurance you are or were considering taking, you may have noticed a statement (usually in the Declaration)

The National Insurance Act 1911 in the UK introduced the scheme of health insurance. It involved a tripartite structure, in which contributions for each insured person came from the insured person, the

Many of us, including insurance professionals are clueless when it comes to the ‘Lloyds of London’. Lloyd’s is the world’s leading insurance and reinsurance marketplace. Their philosophy is ‘sharing risk