Captive insurance companies may be defined as limited-purpose support companies established with the specific objective of financing risks emanating from their parent class or groups. This definition can sometimes be extended to include some http://www.floridahealthinsuranceweb.com/ of the risks of the parent company's customers.
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed. See life insurance.