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Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the ...
http://en.wikipedia.org/wiki/Insurance
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noun . 1. the act, system, or business of insuring property, life, one's person, etc., against loss or harm arising in specified contingencies, as fire, accident, death ...
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The Office of Personnel Management home page for the Federal employee insurance programs, including health insurance (FEHB), life insurance (FEGLI, and long-term care insurance.
http://www.opm.gov/insure/index.asp
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