The concept of insurance in which every human being needs peace in his life. There is one thing that is always faced by every human being in this world, that is risk. Risk always exists because of our ignorance of the conditions that will occur in the future. Because of its nature, it will make each choice into two sides that run simultaneously and in tandem, namely the risk and profit side. For example, if we decide to use a car, then we will avoid the risk of rain and heat. But we will meet the risk of accidents and damage to the car. Another example, if we decide to work hard, then we are likely to benefit from getting more money, but we are exposed to the risk of illness due to lack of body condition. The question is whether the risks can be reduced?
The concept of insurance comes on the need, where every human needs calm in his life. And generally, humans feel that calm when they realize they are on a path with little or no risk. And the insurance business is there to bridge that, where one can divert the risks facing the insurer. To get coverage of the risks it faces, a person must pay a premium to an insurance company whose amount depends on the amount of risk transferred to the insurer (insurance company). The definition of insurance in general is an agreement in which the insurer makes a bond with the insured by accepting a premium to provide a replacement to the insured for a risk of loss, damage, or loss that may be experienced as a result of an unexpected event. By taking insurance products, then someone will become more calm in doing its activities. One does not need to think about the risks that may arise due to an event, because some of the risks have been transferred to the insurance company.