Insurance in all its forms is protection against the possibility of loss or damage. It involves the transfer of risk from one party to another based on compensation from the insured to the insurer. For thousands of years, various forms of insurance have been used—an acknowledgement of the human desire to avoid the impact of negative events in life.

We are four generations in our family. I have two daughters, now in their mid-30s. I also have two granddaughters. Yes, I am a grandpa. And my mum is 91 years old so we are four generations, from a toddler to a grand old lady.