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  The claimants of insurance are typically those individuals or entities who have a valid insurance policy covering the specific event or situation in question. This may include the policyholder, their beneficiaries, or any other party with a vested interest in the policy's coverage, such as in cases of property damage, personal injury, or life insurance claims. The exact determination of claimants may vary depending on the specific terms and conditions of the insurance policy involved. Insurance claimants are typically the policyholders or beneficiaries named in the insurance policy. In the case of an insurance claim, the person who has experienced a loss or damage covered by the policy (e.g., due to an accident, theft, or natural disaster) will be the primary claimant. They will file a claim with the insurance company, providing necessary documentation and evidence to support their claim. In some cases, the beneficiaries mentioned in the policy (such as in life insurance) may als...

I nsurance can be divided into multiple categories based on their purpose and coverage. These include: Life Insurance: This type of insurance provides financial protection to beneficiaries upon the policyholder's death, critical illness, or disability. It includes term life, whole life, and universal life insurance. Health Insurance: Designed to cover medical expenses, health insurance safeguards policyholders from high healthcare costs due to illnesses, accidents, or hospitalization. It can be further divided into individual and family plans, as well as employer-sponsored group plans. Property Insurance: Intended to protect assets and belongings, property insurance covers homes (homeowners insurance), vehicles (auto insurance), and other valuable possessions (renters insurance, boat insurance, etc.). Liability Insurance: This type of insurance shields policyholders from legal liabilities and financial losses resulting from lawsuits or claims made by third parties. Examples include...