PolicyScopes

I've lost count of how many conversations I've had with people who treat insurance the way you'd treat a warranty card that came in some shoebox — vaguely aware it exists, until the one day you actually need it and can't find it. Ask someone to explain, in their own words, what insurance actually is, and you'll usually get a pause. Not because they're not smart — because nobody ever really sat them down and explained it plainly. What most people got instead was a salesperson's pitch, a form to sign, or a line item on a payslip they never questioned. I also spend a fair amount of my time trading the markets, which means I'm constantly thinking about risk — what could go wrong, what it would cost me, and whether I can actually afford to be wrong. At some point it clicked that insurance is the exact same question, just pointed at your health, your car, your family, instead of a trade. And yet most people I know either ignore it completely, or buy whatever p...