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Insurance

We are not your standard insurance company, and this isn't your standard insurance offer. We are free and offer you full coverage, no tricks, no hidden clauses, no fine print - just full real coverage. In order to get a good insurance policy - you need to know how insurance works. Insurance spreads the cost of tragic events that occur in life over a group of people (policy holders). Low risk policy holders provide the base over which the cost of a tragic event is paid. For example, when a tragic event occurs it is cheaper to spread the cost over 10 people, than it is over 1 person. Investment methods spreads this base further, without the need to add new people. For example, if an insurance investment method produces a base of 2 people of every person. The base of 10 people, in the previous example, becomes 20 (doubling the based and cutting the cost of insurance by 50%). Lowering the cost of insurance means that more people can be covered at a better price.

Consequently, the more high risk policy holders there are; the higher the cost; the fewer people that can be covered; and the higher the price. A well rated insurance company, and policy, will keep a good ratio (the risk ratio) of low to high risk holders. Natural risk migration occurs as a person ages, so a young person is low risk, while an old person is high. This natural risk migration provides the base risk ratio. Adding to the risk of a low risk person - costs everyone. Everyone pays for the risk taken. For example, AIDS is a tragedy, but when it occurs because someone gets drunk, has sexual relations, and gets AIDS - every policy holder pays for the cost. Similarly, when a smoker exerts his right to smoke, and gets cancer - every policy holder pays for the cost. Just as, obesity costs everyone.

The same risk ratio is the basis of all insurance, and no matter what is insured. Reducing preventable risk improves the policy and options for the policy holder. Ignoring preventable risk, conversely, costs everyone. The problem is that not all risk is preventable, the natural risk, inherant in all systems (or inherant risk) needs to be understood. {risk = inherant risk + preventable risk} One may assume that inherant risk = preventable risk, but the cases of; 1. inherant risk < (less than) preventable risk and 2. inherant risk > (greater than) preventable risk; are equally true. While inherant risk is not controllable, preventable risk is. Using preventable risk, as a control, total risk can be reduced to its lowest amount. This risk (and it's cost) sets the base price of an insurance premium. Individuals who choose to increase their preventable risk, will have this reflected in their premiums. In addition, inherant risk is not constant (always the same) so the base premium may have to be adjusted to reflect the increase (or decrease).

Standards, Terms & Conditions
(5. Insurance)

  1. Only you {The account holder} has access to this account, and/or any information attached to the account.
  2. A flat monthly fee will be charged, instead of a lump sum payment.
  3. A sinking fund of 50% is maintained in a separate incorporated insurance fund, for each type of insurance.
  4. A sinking fund is the only fund (or insurance) that can protect customer accounts, investments, insurance etc. from bankruptcy.
  5. Sinking funds are the base funds of any kind insurance.
  6. If an insurance policy, or company, does not maintain a sinking fund - there is no insurance.

Help Desk

We answer all customer inquires within 48 hours. Solicitations will be reviewed for qualification.

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