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hello this is melissa the insurance exam queen and this is the general insurance terms all lines of authority conversational audio so through this audio what i will be doing is explaining all the different concepts that you will see in the general terms chapter and i will be talking to you as if we were sitting with each other at a coffee shop and that is how i will be explaining this material if you are interested in audio where you memorize the information look for the general insurance terms memorization audio insurance is known as the transfer of risk so in life we have risks we have the risk of crashing our car we have the risk of our house burning down we have the risk of dying too soon and we have the risk of getting sick all of these are risks that if they were to happen in our lives we would need to pay for them when they happen pay to fix our car pay to rebuild our house pay for our cancer diagnosis pay for the funeral or make up the missed money that the person who died if