Insurance of all sorts is really a mystery to me
I have a confession, of sorts — I once went through some study courses and passed a state test to be qualified to sell insurance. I even signed on (commission-based only; I earned nothing) very briefly as an insurance agency with a legitimate insurance company which was trying to open a new branch in our community.
Having said all that, I must tell you, that was long enough ago — and my heart and passion really weren’t in such a career — that I am almost totally ignorance about every sort of insurance. If you were to ask me, “what affects life insurance rates?” I would honestly tell you I dunno. Maybe the phases of the moon? If you were to ask me, “why did my homeowners insurance rate go up after that storm?” I’d probably tell you the same thing.
Well, of course, I have my suspicions on how all that works, based on my own experience. But I have not the slightest “insider” information about insurance and insurance rates. I’m a confused and frustrated layman about it all, just like most of you reading this.
I have my suspicions that 99 percent of what we pay for insurance goes mostly into lining the pockets and puffing up the bank accounts of a whole lot of insurance company fat cats — but, that’s probably just cynicism. Probably.
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