Whether you have business, family or individual insurance needs, as our valued client you can trust Acumen to assist you with personalized care and expertly guiding you through all of the options available and what suits best for your needs. Acumen provides quality, affordable insurance products from most major insurance companies with proven customer service from dependable, friendly agents. No matter what your insurance needs, we’ll help you with our one-on-one personalized care.
    

Insurance enables those who suffer a loss or accident to be compensated for the effects of their misfortune. The payments come from a fund of money contributed by all the holders of individual insurance policies. In other words, individual risks are pooled and shared, with each policyholder making a contribution to the common fund. The contribution is known as the premium. Premiums are paid to insurers - these are institutions which accumulate the money into the fund from which claims are paid

There are two different kinds of insurance - Life Insurance and General Insurance. With life insurance you don't renew your policy each year Instead, you agree to pay a fixed premium for a set number of years.

     General insurance pays out when a car has an accident or is stolen, a house catches fire or is burgled, if someone is careless and damages other people's property. Most life policies, on the other hand, pay out when an event happens, when someone dies, when someone survives beyond a specific date. Anyone can buy life insurance but, of course, the premium will depend on your age, your health, and your occupation. Health Insurance also comes under general insurance.  
      
      Health insurance is popularly known as Medical Insurance or Mediclaim. It is a kind of agreement made between a person and an insurance company.  It protects you and your dependents against any financial constraints arising on account of a medical emergency. It sometimes includes disability and long term medical needs. In Mediclaim you pay a premium and in return the insurer commits to pay a prearranged sum of money to meet the claims. People recognize the objective of health insurance and it’s offering to cover the ever rising medical expenses