What is the viability and relevancy of insurance products sold to businesses and individual

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The viability and relevance of insurance products usually cater the preference of the insurance buyer. For example, some buyer want to make sure that they have a safe retirement so they tend to lean towards good individual retirement policy. Some buyer want to make sure that his/her family is taken care of if something happens to them, so they tend to seek the product with highest life coverance, etc.

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