Underwriting is the craft of predicting the future with incomplete information. It examines the human pattern—age, … Underwriting and the Human PatternRead more
Claims: How Stories Become Numbers
A claim is the moment when a story—my basement flooded, my car was hit, I slipped … Claims: How Stories Become NumbersRead more
Deductibles: Choosing Your Skin in the Game
A deductible is a line you draw: below this, I pay; above this, the insurer pays. … Deductibles: Choosing Your Skin in the GameRead more
Liability: The Cost of Being in the World
To live is to bump into things—physically, financially, legally. Liability insurance prices the cost of those … Liability: The Cost of Being in the WorldRead more
Auto Insurance: The Mathematics of Roads
Roads are algorithms masking as asphalt. Each trip is a problem in probability—speeds, distances, human attention, … Auto Insurance: The Mathematics of RoadsRead more
Property Insurance and the Weight of Walls
Homes feel permanent until a pipe bursts, a tree falls, or a spark finds old insulation. … Property Insurance and the Weight of WallsRead more
Disability Insurance and the Price of Time
Your income is your largest asset in present value terms. Disability insurance protects that asset by … Disability Insurance and the Price of TimeRead more
Life Insurance: Letters to a Future You
Life insurance is a letter you write to people who will open it on the worst … Life Insurance: Letters to a Future YouRead more
Health Insurance and the Fragility of Ordinary Days
Health insurance is not merely a contract; it is a scaffold that holds ordinary days together … Health Insurance and the Fragility of Ordinary DaysRead more
Insurance as a Promise, Not a Product
Insurance is a promise wrapped in paperwork. The promise is that when something large and unlikely … Insurance as a Promise, Not a ProductRead more