Whois & Analysis for principal.com

Insurance is a means of protection from financial loss.

It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

To invest is to allocate money (or sometimes another resource, such as time) in the expectation of some benefit in the future.

Life insurance (or life assurance, especially in the Commonwealth of Nations), is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.

The policy holder typically pays a premium, either regularly or as one lump sum.

Other expenses (such as funeral expenses) can also be included in the benefits.

Retirement is the point where a person stops employment completely.

A person may also semi-retire by reducing work hours.

In finance, a bond is an instrument of indebtedness of the bond issuer to the holders.

The most common types of bonds include municipal bonds and corporate bonds.

It is a debt security, under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay them interest (the coupon) and/or to repay the principal at a later date, termed the maturity date.

Interest is usually payable at fixed intervals (semiannual, annual, sometimes monthly).

Very often the bond is negotiable, that is, the ownership of the instrument can be transferred in the secondary market.

This means that once the transfer agents at the bank medallion stamp the bond, it is highly liquid on the second market.