Financial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies, consumer-finance companies, stock brokerages, investment funds and some government-sponsored enterprises.

In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and Finance & Insurance Industryaccounting rules. The main reason for the distinction between the two types of Companies is that life, annuity, and pension business is a very long-term in nature – coverage for life insurance or a pension can cover risks over many decades. By contrast, non-life insurance usually covers a shorter period, such as one year.

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