Modern insurance companies study statistics that show the frequency of past losses — for example, losses from shop fires — to try to predict what losses their clients will experience in the future.
لا يزال هذا المبدأ —‏ اشتراك الناس في الخطر المحتمل —‏ ينطبق اليوم عند شراء بوالص تأمين .‏