What Insurance Premiums Secretly Tell You About Risk
Understanding how insurers price your policies reveals the real threats to your wealth.
Ever wonder how insurance companies set their premiums?
It’s not magic.
It’s not personal.
It’s pure math.
Insurance companies exist to do one thing: collect more in premiums than they pay out in claims.
That’s it. Simple business model.
If something:
Happens often, or
Costs a lot when it does happen…
They charge you more to insure against it.
If it’s rare and ch…
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