Iyini umshuwalense?
Umshuwalense uyindlela yokuzivikela ekulahlekelweni imali lapho, ngokukhokhelwa imali, elinye iqembu livuma ukukhokhela elinye iqembu uma kwenzeka kulahleka okuthile, kulimala noma kulimala. Kuyindlela yokuphatha ubungozi, esetshenziselwa ikakhulukazi ukuvikela ubungozi bokulahlekelwa okungahleliwe noma okungaqinisekile.  Inhlangano enikeza umshuwalense yaziwa ngokuthi umshuwalense, inkampani yomshuwalense, umshayeli womshuwalense, noma i-underwriter. Umuntu noma inhlangano ethenga umshuwalense yaziwa ngokuthi umnikazi wepholisi, kuyilapho umuntu noma inhlangano ehlanganiswe ngaphansi kwenqubomgomo ibizwa ngokuthi umshwalense. Ukuthengiselana komshwalense kuhilela umnikazi wepholisi ethatha ukulahlekelwa okuqinisekisiwe, okwaziwayo, nokuncane ngendlela yokukhokhela umshwalense (i-premium) ngokushintshanisa nesithembiso somshwalense sokunxephezela umshwalense uma kwenzeka ukulahlekelwa okuhlanganisiwe. Ukulahlekelwa kungase noma kungase kungabi okwemali, kodwa kumelwe kube okungancishiselwa emibhalweni yemali. Ngaphezu kwalokho, ngokuvamile kuhilela okuthile umshwalense anesithakazelo esingasekelwa umshwalense esisekelwe ekubeni ngumnikazi, ukuba nakho, noma ubuhlobo obukhona ngaphambili.