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Life & Health · Chapter 1 · Company Types

Lloyd's of London

Definition
Not an insurer — a marketplace/association (often compared to a stock exchange) where member syndicates individually underwrite coverage, including unusual and hard-to-place risks.
Exam tip
If the answer choice calls Lloyd's an insurer, a mutual, or a government program — it's wrong. Lloyd's is a MARKET.
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10