The word "insurancer" is actually not a correct spelling in the English language. The correct word is "insurance". The IPA phonetic transcription for this word is /ɪnˈʃʊərəns/. The "in" sound at the beginning is followed by "shure" which then leads to the "əns" ending. There is no "r" included in the spelling. It is important to use correct spelling to ensure clear communication and avoid confusion.