only permanent thing in nature is change. Nature, in its change, briMankind lives by hope—hope for a better tomorrow, for a better standard of life and for a better future for his or her legacy and dependents. Individuals strive and toil to realize a future where the children and dependents are happy even after he or she is gone. But the only permanent thing in nature is change. Nature, in its change, brinard of life and for a better future for his or her legacy and dependents. Individuals strive and toil to realize a future where the children and dependents are happy even after he or she is gone. But the only permanent thing in nature is change. Nature, in its change, brients. Individuals strive and toil to realize a future where the children and dependents are happy even after he or she is gone. But the only permanent thing in nature is change. Nature, in its change, bridren and dependents are happy even after he or she is gone. But the only permanent thing in nature is change. Nature, in its change, brionly permanent thing in nature is change. Nature, in its change, brings tragedies like death to an individual level through diseases or strikes at society through calamities such as hurricane and earthquake. Insurance as a social weapon helps to combat these problems.

Insurance is the collective pooling of individuals to mitigate th