Imagine a ship…
This cargo ship is fully stocked, well built, in good condition; but if nobody is at the helm, it is doomed.
All lines of business and personal insurance 928-22-9228 Oregon-IA-NE-KS
You have insurance, and you probably bought it from a strip mall boiler room behemoth insurance company, offering only one product, whether it fits you or not.
There is nobody at the helm on your ship, because you hate insurance, know so little about it, just want to get it over with.
But be advised: bad stuff that you did not expect will happen, and, if you have not planned for it, not plotted a course, have left your future to others to decide, you are doomed to lose everything eventually, just like a shipwreck. You need to be a little more studious about how and how much to protect your assets, your livelihood, your health, and your family.
To fully understand insurance, you must understand it’s beginning:
The ubiquitous intermodal box container was developed by Malcolm McLean in 1956. Opposed by longshoremen, railroads, and ship lines, its simplicity and efficiency prevailed, reducing unit costs for retail consumer goods to essentially nothing. But there is a hitch: the efficiency of a pre-packed container means contents are rarely inspected. Flammable or hazardous materials are supposed to be declared, but often are not. As a result, containership fires are not uncommon. The newest massive vessels can carry close to 10,000 40-foot containers, raising new questions about concentration of risk.
It is a widely held belief by insurance professionals and several researchers that marine insurance — hull and cargo specifically — are the oldest forms of insurance. Some date early forms of those to Phoenician traders whose heyday of trading colonies around the Mediterranean began around 1200 BC. The French port of Marseilles was among the farthest west, founded around 600 BC.
Trade over those distances, with voyages lasting weeks and months, clearly involved risks greater than local trade, terrestrial or maritime. The history of business has been driven by the need to concentrate capital. That also means a concentration of risk. The history of insurance has been driven by the concurrent need to transfer and diffuse those concentrated risks.
EMBARKING ON THE PERILOUS JOURNEY OF LIFE, YOU CAN LOSE EVERYTHING AT ANY MOMENT!
Take it from me: born poor, orphaned at 11 years old, yet I have managed to make and lose over $10M, with nothing to show for it other than an education, in why I should have been insured.
YOU DON’T LIKE INSURANCE, NEITHER DID I.
However, if you trust your future to some young salesperson working for a behemoth in a micromanaged strip mall office, you will have the wrong insurance, too much, or too little insurance!
I am a licenced agent in four states: Oregon, Iowa, Nebraska, and Kansas, and can easily add more states. I am completely independent, no loyalty to one insurance company, I have many. You need to deal with someone like me, in my opinion.
Don’t let your children go through what I did. If I cannot save you money, I will pay you $25 for your time:
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