30d • Wealth & Freedom
I Hate Insurance
I’ll be honest—I hate insurance.
Maybe it’s because I’m a gambler.
A risk taker.
An entrepreneur.
But long before I had a business or owned a home, I was never fond of the idea of hedging a bet. Paying premiums to protect against “what ifs” felt like losing money. I’d rather bet on myself, my work ethic, and my ability to bounce back.
But that feeling only got worse once I became a business owner.
- I’ve lived through 1000% increases on GL premiums—all because of reporting a single loss.
- I’ve seen workers comp claims drain us and force us into endless paperwork.
- I’ve fought with unemployment claims that never should’ve been approved.
- I’ve dealt with brokers who lacked transparency, foresight, or even the courage to prepare me for the real costs.
Every step of the way, insurance has felt like a punishment for building something—when all I ever wanted was protection and clarity.
So yeah, I hate insurance.
But here’s the paradox: I still pay it.
Because I have to. Because risk is real. Because I have people depending on me.
And maybe that’s why I’m drawn to the Infinite Banking Concept. Because it flips the script: it turns “life insurance” into a tool for freedom instead of a tax on fear.
For me, insurance is tolerable only when it’s reframed as assurance:
- Assurance that I’m in control.
- Assurance that my money works for me, not just for a carrier.
- Assurance that I can take risks without leaving my family or my people exposed.
So yeah, I still hate insurance. But I like what it can become when you run it through a BoomZeal filter.
Collaboration Prompt:
- What’s your gut reaction when you hear the word insurance?
- Where’s the line between betting on yourself and being reckless?
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I Hate Insurance
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