In our time, insurance has become an independent economic institution, where companies themselves determine the amount of insurance premiums, types of insurance and contract terms.
Esikhathini sethu, umshuwalense ube yisikhungo sezomnotho esizimele, lapho izinkampani zizinquma khona inani lemishanguzo yomshuwalense, izinhlobo zomshuwalense kanye nemigomo yemvumelwano.