"On one single A4 size page."

Dedicated to R.H., based on a discussion, many years back! And also to H.S.T., indirectly.

A 'Mechanism' To Drive Cultural Change. A Game Changing Breakthrough. At The Core. And In Everything.

Insurance business is about insurance contracts. It is important to know what is important. Be positive and upfront, do the best, tell it straight and to the point. Say what you mean, and mean what you say. From beginning. Accuracy assured! Save time and save cost. No misunderstanding. Must be in writing. Because, talking is one thing, reality is another! Even when it is something that people don't like to see or hear. That's Utmost Good Faith to reach True Agreement of Minds! Both are the fundamental principles of insurance business and anything insurance. However, people just run away from reality mostly. Don't like to face reality and deal with it. Most only prefer enjoying their right and authority, including privilege and entitlement that come with, but no responsibility or risk! Such innocent ignorance and inability about reality are often taken advantage of by the unscrupulous, for gains. Not doing what is supposed to do. Worse, doing what is not supposed to do! Awful outcome is the only outcome when ignorance and inability interact and combine! Just let them continuously and negatively feeding on each other? That's how insurance becomes no insurance in the first place! Costs rise yearly, and insurance cost goes the other way? How can claims be paid? How can profit be made? No need for any maintenance, or claims? Therefore, just end up selling insurance but don't want to insure, and of course don't like to pay either! More harm ensued, not insured! Is that still insurance business? Trust? Peace of Mind? Sense of Security? Relationships? All just hollow perceptions, as something good and soothing, but misleading! Insurance literacy? Actually illiteracy, camouflaged and misdirected! Only if nothing big happens! And only if you are prepared for disappointment. In fact, trust is a sign of don't know, unadmitted and uncontrolled! What to do? The key is, you have to trust yourself first. And trust has to be built! At the end, Insurance Business is a study of human nature! "Insurance is a people business", so true, yet simply misunderstood, misperceived, and misapplied! It is an industry foundation fault, amongst many. Unrecognised!

Risks exist with human existence. More people involved, more cost and even more risks! The world is full of people. And insurance is everyday business that touches on everything! Risk is the reality. Real. Just when. NOT perception. 'Perception is reality' is baloney! All because insurance buyers usually don't know much about insurance. On top, they also don't like to pay, whether in buying or claims! They think accident will never happen to them! Buying insurance is commonly mistaken as an unnecessary expense. All they know is expecting everything covered, at the cheapest price! Is that smart? Or just ignorance about reality? For insurance providers, is it a disadvantage, or in fact, an advantage? What happens is, just give them what they want and like, but skip on what they need! Actually, what they need is to know what is not covered before it happens, in clear exact terms! So just let human nature all fooled and intermingled together in an Utopia playground, particularly human weaknesses such as complacency, greediness, selfishness, jealousy, afflicting harm, exercising authority, with impunity, ............and schadenfreude, and let them run wild and free! Wait till claims! At which time all claims will be subject to policy wordings and other considerations, when dealt with by different interests and departments anyway! A stampede to exit. Especially big claims! The insurance "product" suddenly becomes a policy contract working against the policyholder! Undermining the "insurance" sold, and promises made! THIS POLICY CONTAINS A CLAUSE WHICH MAY LIMIT THE AMOUNT PAYABLE, what does that actually intend and imply? For trading dollars! For trading dollars? Or claims become just a marketing tool? At whose expense? Who to call? Nobody cares! Getting the lawyers involved? But after all that, who loses? And who wins? Is that what insurance all about, and means?

The whole insurance system and business model is like being purposely made to become a conflicts and wrongs incubator! A pointing finger game! For deferring and avoiding settlement payments? Very weird and treacherous! People would just learn and copy the approach same, and become even more so! In every sector of human activities in societies! That's how the world's economies and cultures developed, almost in line with how insurance business has evolved! But all in the wrong direction. Those who are victimized and suffered cannot seek help or do proper, all because of the said old joint, networked, and coordinated wrong insurance system and business model operating in a regulated and manipulated Insurance Industrial Organization structure by which people are voluntarily or involuntarily confined, conformed and submitted to, including education, licensing and training, in the form of institutions, authorities, and establishments, and all the tactics and consequences thereof! Something is grievously wrong, the way it is done! What is important simply forgotten! Basically making wrong become right, and right become wrong! The fundamental principles of insurance business are tarnished and sabotaged, and then hijacked! For wealth creation? Everybody is dragged into it. Including claims liability avoidance and conversion, and transference! It is more than just about unspecified OPM (Other People's Money)! And more than a "No need to pay" game! All gain-motivated, legally and politically manoeuvred, and then simply allowed. Not only on rules and cases, and not only denying and declining claims, but market supplies and demands, including access restrictions and exclusions! As such, making gains not by making things simple easy and direct for consumers, but the opposite! End up driving business away discriminately, as part of the old traditional Insurance Business Model, and making insurance business more complicated, unproductive and wasteful instead! Business Development? How? For the interest of general public and consumers? Yet who might not even know, nor understand! Asymmetries, not just knowledge asymmetry, are pre-installed. Freedom to choose is limited, and even stopped! Business ethics and morals totally breached, and all become exploitable, 'sacrificiable', and dispensable! Just to reinforce giving up and don't care as it goes along! The ends justify the means? But again, at whose expense? It is an entire invisible global set up! Everybody and all trades of various interests and professions are immersed in it together, directly and indirectly. Because even insurance investors have to buy insurance too! Customer care? No Care! Frankly, as a whole, just like a 'never need to repay bank overdraft account', under a scheme of permanent inequitable reverse subsidy, and also a financial punch bag! Who and what are behind it all? Like it or lump it, all reasonings and senses are twisted, and tossed, with a global stir-fry of unreasoning and unfairness, and with more ignorance and inability being created and accumulated over time. In all, an endless repeats of multi faceted vicious cycles, on auto-pilot! Unfortunately, that also makes people become even more unpredictable and vicious! Creating more risks! They will just learn and do the same, and do more, whenever and wherever opportunity arises! Appreciation and gratitude are rare! More "insurance"? The same? Precipitating an unseen ever expanding economic and societal screwup! There goes good human nature and our society! No need to change? Don't know how to change? Not dare to change? Actually don't dare to change! And in fact, not allowed to change! It is how the world has become.

To Change. Or Be Changed!

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