Insurance 101 Undermining America For The Good Of Americans

Insurance 101 Undermining America For The Good Of Americans

Insurance is​ like a​ myth. From one small seed of​ truth,​ a​ fairytale the​ size of​ 1000 giant sequoias has sprung up. Reality is​ blocked from view. Surely,​ you’ve noticed all the​ giant,​ sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money do the​ executives make? Who pays for it​ all? Grab a​ mirror. “Magic mirror on​ the​ wall,​ who’s the​ biggest sucker of​ them all? What’s that you​ said? the​ Masses!”

Insurance is​ yet another unquestioned social reflex. you​ just buy it. you​ must. the​ banker insists you​ have to​ purchase insurance or​ you​ don’t get the​ loan. Your government orders you​ to​ buy auto insurance at​ any cost. Hence,​ it​ must be really good for you. Hell,​ why not stock up on​ some of​ the​ non-mandated insurances as​ well? you​ can’t have too much of​ a​ good thing. Can you?

Somewhere in​ the​ dark,​ murky corners of​ our minds we hide our thoughts. Like the​ Emperor’s New Clothes,​ no one screams out,​ “But he has nothing on!” or​ “Hey,​ this is​ just bullshit!” you​ are not alone in​ the​ darkness. We all think it. So you​ are no longer scared to​ speak,​ here are some of​ those secret thoughts voiced out loud for the​ first time:

1) if​ I speak out against insurance,​ I will be jinxed. My home will surely burn to​ the​ ground and I will look like a​ moron.

2) if​ I speak out against insurance,​ some 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 must charge such high premiums because 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 buy an​ IHOP franchise with that money?

6) if​ government represents the​ people,​ why do they make me,​ a​ people,​ a​ criminal when I cannot afford auto insurance to​ get to​ work and feed my family?

7) How much in​ dollars and perks do insurance lobbyists put into the​ pockets of​ politicians?

8) Do I really need 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​ money I spend on​ insurance into the​ bank or​ toward building success,​ how much money would I have for coping with my problems on​ my own terms?

10) if​ I buy the​ extended warranty,​ will I remember I have it​ or​ be able to​ find it​ when my widget explodes?

11) Shouldn’t companies make quality widgets that last three years in​ the​ first place?

12) And finally,​ did Jennifer Lopez really insure herself for hundreds of​ millions of​ dollars? What? She is​ already rich. the​ agent who sold this policy is​ phenomenal.

Yes,​ we all 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. Every frivolous lawsuit provides government an​ excuse for mandating people be protected from themselves via costly insurances and removal of​ individual freedoms.

Before long,​ we will be required to​ carry Coffee-Burn riders on​ auto insurance and Cell- Phone–Earring-Tear addendums on​ HMOs. These days 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.

With a​ system this out of​ control,​ how do you​ protect yourself? you​ cut the​ fat. Quit betting against yourself. Think about all those different types of​ insurance. Stop buying out of​ reflex and decide for yourself what you​ can kick to​ the​ curb. Consider the​ variety out there and what you​ truly must have.

Life Insurance is​ for betting you​ will die such a​ loser that you​ can’t pay for your own funeral or​ leave your kids any 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​ new 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 in​ an​ Afghan cave right now,​ plotting to​ rid the​ world of​ those pesky Remmington Cowboy bronzes.

Insurance agents prey upon these new fears like snakes on​ wounded mice. Apparently,​ companies want to​ terrorize you​ into buying coverage. Another possibility is​ a​ rebel SCUD aimed for Mount Rushmore may slam into a​ Canada Goose and go askew. it​ sucks when this happens! No doubt your goat ranch in​ Chug Water,​ Wyoming is​ in​ eminent danger from this likely chain of​ events. Perhaps,​ you​ should add a​ specific ‘Unpasteurized-Cheese Addendum’ to​ your Terrorist Policy. Call your agent today and ask them. See if​ they will sell you​ one.

The odds of​ you​ dying of​ a​ mosquito bite are better than the​ odds you​ will die at​ the​ hands of​ a​ terrorist. Well,​ crap! the​ government better permit companies to​ require we all carry Mosquito Insurance. Maybe you​ can get a​ DEET discount! Better still; why not turn over all our bothersome responsibility,​ like freedom and privacy,​ to​ the​ Feds. Then good ol’ Uncle Sam can protect citizens from the​ winged menaces that haunt our very souls.

Congress could 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). Still cancer and glaucoma patients might want to​ keep the​ baggies away from the​ birdbath.

Speaking of​ cancer,​ the​ Air Force could spray us all from above with a​ perfectly “safe” mixture of​ insecticides called Agent Tan. Coincidently,​ that day your governor vacations far away. is​ there anybody in​ his or​ her right mind who would elect an​ insurance salesman to​ public office? of​ course,​ both politicians and insurers are selling you​ hot air,​ so perhaps it​ is​ a​ match made in​ H…

A very few insurances are worth buying,​ such as​ liability insurance for cars and real estate. Once you​ have something to​ lose,​ it’s a​ sure bet some lazy troll with an​ entitlement-mentality will try to​ sue you. in​ this case,​ you​ want the​ giants on​ your side. Insurance companies provide lawyers to​ run evil little trolls back under their bridges.

Insurance prices in​ America are out of​ control. the​ wide range of​ insurance the​ bureaucracy would have us believe we cannot live without is​ genuinely insulting. Buying all the​ coverage companies would have you​ believe you​ need wastes thousands of​ your dollars each year. Look over policies and eliminate what you​ can. Insurance is​ just legalized gambling. if​ you​ are betting against yourself,​ how can you​ take a​ gamble on​ yourself? Pursue your dreams instead!

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