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This is the first Blog of many where Insurance as a Lifestyle will be the focus. Yes, I hear the laughing! How on earth can Insurance be a Lifestyle and who is the crazy person suggesting that insurance might have anything to do with Lifestyle?
My hope is to help change this attitudes and share with my readers How and Why insurance is and should be part of any successful, productive and safe lifestyle. With nearly every choice we as human beings make there are consequences. As parents we try to teach our children that running into the street is Not Safe. When our children go through school and as they grow up they hear about “Safer-Sex” and learn the “insurance” measures that can be taken.
Logically, my first example above can be directly connected to Insurance and someones policy–if our child runs out into the street and is hit by a car we can only hope the driver has paid their auto insurance premiums.
The second example about “Safer Sex” may not appear to be in anyway related to Insurance, other then possible needing good health care insurance coverage. Insurance is anything but, sexy so why do I suggest that the concept of “safer sex” in any way relates to Insurance?
I suggest this analogy because, the concept of “Safer Sex” is the same concept as living an Insurance Lifestyle. To anticipate those things that might get us–do us in–or take away everything we have and to plan a way to avoid it or bail ourselves out of whatever caused our problem in the first place.
Insurance as a lifestyle means not pretending certain terrible things might be possible. Understanding what a risk is and how to decide which risks we are willing to accept. Identifying the ways we might avoid a risk in the first place or pay for the damage or problem if the risk happens to be something that turns out to happen and cause a loss.
Some might suggest that the safest sex is abstinence and this is likely true. Young women don’t get pregnant and sexually transmitted diseases can’t be passed along it the risk is completely eliminated. “Safer Sex” practices teach that it might still be possible to take a risk, and that there is a level of protection for those willing to take the risk.
Life is often about risk taking. A person who thinks about the insurance implications of the choices they make is living an insurance lifestyle. I am looking forward to writing about some of interesting ideas I have about living an Insurance Lifestyle and I hope my readers might consider thinking about their own Insurance lifestyles along the way!
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