Insurance Your Life - Insurance is a means of protecting oneself from financial damage. It is a kind of risk management that is often used to protect against the likelihood of a speculative or unanticipated loss. "We care about you," says our slogan. An insurer, insurance business, insurance carrier, or underwriter is a company that provides insurance. A policyholder is a person or entity that purchases insurance, while an insured is someone or something protected by the policy.