Insurance 101 – Undermining America for the Terrific of Americans
Insurance is like a myth. From one little seed of detail, a fairytale the range of 1000 giant sequoias has sprung up. Information is blocked from view. Surely, you’ve noticed every the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they acquire each that money? How much cash do the executives make? Who pays for it each? Grab a mirror. “Magic mirror on the wall, who’s the leading sucker of them each? What’s that you said? The Masses!”
Insurance is yet another unquestioned social reflex. You just get it. You ought to. The banker insists you have to get insurance or you don’t pay for the loan. Your government orders you to buy auto insurance at some cost. Hence, it be supposed to be really magnificent for you. Hell, why not stock up on any of the non-mandated insurances since well? You can’t have too much of a excellent thing. Can you?
Somewhere inside the dark, murky corners of our minds we hide our thoughts. Like The Emperor’s Fresh Clothes, no one screams out, “But he has nothing on!” or “Hey, this is just bullshit!” You are not alone inside the darkness. We all think it. So you are no longer scared to tell, here are some of those top secret thoughts voiced out loud for the first time:
1) If I talk out against insurance, I will be jinxed. My home will absolutely burn to the ground and I will look like a moron.
2) If I talk out against insurance, a few pecker-head who heard me will have an accident and sue me because folks are not responsible for their own choices.
3) Insurance is betting against myself. Why would I bet against me?
4) If insurance companies be supposed to charge such high premiums as they’re losing so much in payouts, how do they afford all those big buildings?
5) What do insurance companies sell? Air? Promises they intend to deny via small print? Contracts? Wouldn’t I rather purchase an IHOP franchise using that cash?
6) If government represents the public, why do they make me, a people, a criminal when I cannot afford auto insurance to purchase to work and feed my family?
7) How much inside dollars and perks do insurance lobbyists put into the pockets of politicians?
Do I essentially require trip-cancellation insurance? Why would I buy a dream trip, and then bet on my canceling it at the last moment?
9) If I put all the cash I spend on insurance into the bank or toward building success, how much cash would I have for coping with my problems on my own terms?
10) If I acquire the extended warranty, will I remember I have it or can discover it when my widget explodes?
11) Shouldn’t companies make value widgets that last three years inside the first place?
12) And finally, did Jennifer Lopez actually insure herself for hundreds of millions of dollars? What? She is already rich. The agent who sold this policy is phenomenal.
Yes, we every know the system is way out of hand! The blame lies with insurance companies, greedy bankers, spineless politicians and with the Masses unquestioningly supporting these absurdities. Each frivolous lawsuit provides government an excuse for mandating people be protected from themselves via expensive insurances and removal of individual freedoms.
Previous to long, we will be required to carry Coffee-Burn riders on auto insurance and Cell- Phone–Earring-Tear addendums on HMOs. At present Sleeping Beauty would have sued the castle owner (a.k.a. Dad) for that prick on the finger, lost wages from the coma and for trauma from the scar. Uninsured sewing needles would be outlawed throughout the kingdom.
Using a system this out of control, how do you protect yourself? You cut the fat. Quit betting against yourself. Think about every those different types of insurance. Stop buying out of reflex and decide for yourself what you can kick to the curb. Consider the type out there and what you in reality be supposed to have.
Life Insurance is for betting you will die such a loser that you can’t acquire your own funeral or leave your kids several inheritance. Extra Car Insurance–How much you betting that you will crash? Not to mention, homeowner’s, mortgage, trip cancellation, emergency evacuation, unemployment, boat, credit card, business interruption, earthquake, disability, dental, smoker, expatriate, backpack traveler, winter sports, flood, warranty and health insurance. The list goes on.
Here is a fresh monument to the ludicrous: Terrorist Insurance. It’s even pushed at Art Gallery Owner’s in isolated communities of the Northern Great Plains. And, why not? No doubt Osama is crouching inside an Afghan cave real now, plotting to rid the world of those pesky Remmington Cowboy bronzes.
Insurance agents prey upon these fresh fears like snakes on wounded mice. Apparently, companies prefer to terrorize you into buying coverage. Another possibility is a rebel SCUD aimed for Mount Rushmore may perhaps slam into a Canada Goose and go askew. It sucks when this happens! No doubt your goat ranch inside Chug Water, Wyoming is inside eminent danger from this possible chain of events. Possibly, you be supposed to add a specific ‘Unpasteurized-Cheese Addendum’ to your Terrorist Policy. Call your agent now and ask them. See if they will sell you one.
The odds of you dying of a mosquito bite are greater than the odds you will die at the hands of a terrorist. Well, crap! The government greater permit companies to need we each carry Mosquito Insurance. Perhaps you can acquire a DEET price cut! Greater still; why not turn above each our bothersome responsibility, like freedom and privacy, to the Feds. Then great ol’ Uncle Sam be able to protect public from the winged menaces that haunt our extremely souls.
Congress may possibly raise taxes to fund Bug Inspectors. Their job would be to comb through your private life, home and property looking for freestanding water. They would not look for anything else (roll eyes here). Ever cancer and glaucoma patients may perhaps desire to keep the baggies away from the birdbath.
Speaking of cancer, the Air Force can spray us every from over with a perfectly “safe” mixture of insecticides called Agent Tan. Coincidently, that day your governor vacations far away. Is there anybody inside his or her right mind who would elect an insurance salesman to public office? Of course, together politicians and insurers are selling you hot air, so maybe it is a match made in H…
A extremely few insurances are excellence buying, such as liability insurance for cars and correct estate. Once you have something to lose, it’s a sure bet several lazy troll with an entitlement-mentality will try to sue you. Inside this case, you choose the giants on your side. Insurance companies make available lawyers to run evil small trolls back below their bridges.
Insurance prices in America are out of control. The wide range of insurance the bureaucracy would have us believe we cannot live lacking is genuinely insulting. Buying all the coverage companies would have you think you require wastes thousands of your dollars all year. Look higher than policies and eliminate what you can. Insurance is simply legalized gambling. If you are betting against yourself, how can you take a gamble on yourself? Pursue your dreams instead!
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