Wikipedia defines insurance as "the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss." 

Everence provides many types of insurances to its partners. "Whether you’re an individual, business, organization or church - you can protect your medical and financial resources. Everence offers a variety of affordable health, life, disability and other specialty insurance products to fit your unique needs. You might be putting your family at a huge financial risk if you go without enough insurance. Everence has products and services to protect your loved ones.