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What do we mean by saying insurance? Insurance is a protection against loss or is a risk coverage program or is guarantee given by government, company or organisational agency as a compensation for specified damage or death and return for premium payment. Insurance has several advantages and disadvantages, where today we are going to learn how you can gain when you have paid to insured by the insurance. Advantage of insurance is as follows 1. One can be replaced his or her own property when damaged with a reason, example when some who has insurance gets an accident and his vehicle gets replaced on time with no any problem. By doing this you can abstain from unwanted loses which come sometime one has other problems 2. When some takes life insurance can gain a lot to his family through future refunding of the money insured. Life insurance help widows, orphans and even relatives in future. 3. With insured house or property one will never worry about fire, earth quake and many more due to assurance of being refunded. Disadvantages of insurance 1. Even if nothing happened to your property you will never be refunded the annually payment you do. 2. Some of the insurance companies or agencies charge a lot where poor people could not afford. As udaku special Tanzania news presenter we advise every individual to focus on getting or going to visit insurance companies and get ful details you can visit AON, JUBILEE and many more