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More or less we are familiar with insurance. There are huge insurance companies around the world doing their business and their business modules are almost alike banking services but there is some differences too. Honestly I'm not that knowledgeable about insurance but as far I know a person who deposit money for having an insurance, his family or nominee can claim the money with interest after his death.
When we take insurance for our expensive goods like car insurance, when the car lost or damage we can claim the money of car insurance. This is one of their terms and conditions as far I know. My father was a manager of a local reputed insurance company and I've a little idea of it so I'm sharing this. Personally I do not prefer something I do not understand clearly but I'm not here to discourage people having insurances like life insurance, car insurance or home insurance (if available). Its a kind of security which offer good interest.
Personally I prefer banking with no interest because of my religious values so my bank is also established on religious values. But many people prefer having interest and insurance can be a good choice for them. If insurance offer the money after the death to our family then a person who has family concern can have life insurance with a trustworthy life insurance company , the money can be helpful for a insurance holder's family after his death.
There would be a time boundaries too when users can claim their money too which is alike banking service. Banks also offer saving money for 5 years or 10 years and then a bank account holder can withdraw with a big interest. Without interest mostly people doesn’t save money in the bank or Insurance. Vehicle insurance I think good enough because after losing the vehicle if we can afford a new one sounds really great. So I think car or other vehicle insurance could be a good choice or decision.
Here I'm not suggesting to have insurance or other banking facilities just discussing my opinion on such services. Our life so decision should be our own. A successful and reputed insurance company earn as much a bank earn so there are many people still interested in insurance, many people loves to have Interest from their money so they prefer having insurance for big interest. Nothing bad there because everyone wants to make money and money can bring money as banks give loans and take interest likely they pay interest to account holders. Its a kind of chain system and your money is safe in a bank or in a insurance company having good reputation.
Your money so your decision and you should choice the right one. Insurance is good with It's terms and policies beside that banking is also great with It's terms and policies as well. Insurance company should add more facilities or offer more benefits that people find it interesting and insurance services can take over or compete banking services as banking services are more popular worldwide.