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As we progress through our life we build our own world. We build society, we make bonds and relations and that's makes us more responsible towards the people surrounding us and things associated with us. Subsequently, arise the fear of loss of reliant. To over come this, there is Insurance facility. It is kind of risk management utility in which one can transfer the risk of trouncing, from one entity to other in exchange of some returns or called as premiums. And to manage it, there is Insurance rate which decides how much returns or premiums to be charged for one particular amount and the coverage. The insurance policies depend on certain characters and principle as follows: Definite Loss, Accidental Loss, Large Loss, Calculable Loss, Affordable Premium, Limited risk of calamitously bulky losses. The role of Insurance in your life and financial plan is very important. By insurance, you can take care of your life along with your loved ones. Also it can help you in your financial, business or commercial losses. People often don't know what are their Insurance needs? And what type of insurance are their, from which they can benefit? Well, there are various types of insurance. Any risk which as a matter of fact, can be reckoned is possibly be insured. Life insurance, Auto insurance, Business insurance, casualty insurance, Credit insurance, Crop insurance, Disability insurance, Health insurance, Liability insurance, National insurance, No - fault Insurance, Property or assets insurance, Social insurance, travel insurance and many others are the types of insurance. The insurer or the insurance company can be of two types. Life insurance companies for health, life, pension and products insurance and the other one is Non- life insurance or general insurance companies.