Insurance companies facilitate the transfer of risk from the insurance companies' owners to the insurance...
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Insurance companies facilitate the transfer of risk from the insurance companies' owners to the insurance policyholders. those who have a lowrisk tolerance to those with high risktolerance. those who have a highrisk tolerance to those with low risktolerance. insurance policyholders to the government. 
Insurance companies facilitate the transfer of risk from
the insurance companies' owners to the insurance policyholders.
those who have a lowrisk tolerance to those with high risktolerance.
those who have a highrisk tolerance to those with low risktolerance.
insurance policyholders to the government.
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