Understanding why insurance premiums are not refundable and how insurance really works as protection.
Let's talk about something that confuses a lot of people:
"Why don't I get a refund if I never made a claim?"
When you hire a night guard or pay for your home alarm system, you're not expecting to get robbed. In fact, you hope you never have to use it.
You're paying for peace of mind, not for an outcome.
Insurance works the same way.
That protection was always on, quietly working in the background just in case.
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