White collar work is also more likely to lead to burn-out and mental health disability, which leads to longer and more expensive claims than many physical injuries. 

Let’s be real: Insurance isn’t there to protect you. It's is a financial product made to maximize shareholder value.

Did you know that your spouse needs to sign off if you designate anyone else as your life insurance beneficiary? Because if you croak, life insurance doesn’t want to get in the middle of your family drama. 

Since employer group plans need to offer the same coverage to everyone, employer-sponsored plans are sometimes the only way that people with serious or chronic health conditions can get any disability or life insurance at all. 

What if, instead of inflating wages with cash, the company offered to pay for something even more valuable than cash? The health of workers and their families. 

Most of the Louvre’s collection is literally priceless. Meaning that their value as historical artifacts is unquantifiable. You can’t take out an insurance policy on something that’s invaluable. The cost would be prohibitive.

Insurance premiums have been increasing at more than double the rate of inflation for the past 3 years. In 2026, employer group plans are expected to increase nearly 8%. 

If you think that looking up worker’s comp codes is boring, you’re missing out. If you give me a list of thousands of obscure jobs, I’m going to lose at least 20 minutes going through it. 

What we’re really seeing is misaligned incentives disguised as authority. They have no reason to follow through, just respond. We wouldn’t put up with this in any other business service.