Out of service. Under repair. Broken. It’s a frustrating message to encounter.
But far more frustrating is when something works, though not in the way we know
it could. Without an obvious problem, there is no immediate fix or resolution.
Instead, we carry on with the status quo and settle for the unremarkable.
Welcome to insurance
Insurance was introduced in the United States in the 1700s and, since that time,
not much has changed. And for good reason. Insurance does work, just not in the