In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language. Insurance contracts are designed to meet specific needs and thus have many features not found in many other types of contracts. Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies.One day, as the four friends were assembled together, they decided, "The scholarship that we have over the Holy Scriptures is no good, if we cannot use it to impress the king, or otherwise to earn money!" They decided to travel, in order to earn money using their learnings. But the fourth friend was not learned, so they thought of leaving him behind. They agreed, "What good is common-sense? His talents would not help in earning money, let only three of us travel."
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