Grateful for insurance coverage?

As we collect with pals and household round bountiful tables, it's time to pause to be grateful. However one remark that can probably not be heard that day is that anybody is grateful for his or her insurance coverage.  

That’s a little bit of a disgrace, in my view. The business is imperfect, positive, nevertheless it additionally helps individuals handle danger, gets them by way of a few of their darkest moments, and provides them peace of thoughts. For instance, I’ve lived a reasonably common life, however with out insurance coverage it may need been fairly totally different. 

Once I was 5 a hearth burnt down our home. With out insurance coverage our dwelling won't have been rebuilt. 
Once I was 20, my brother and sister each had automobile accidents that would have value our household a fortune. 
At 25, my quickly–to–be spouse went on brief–time period incapacity that would have induced her to lose an house. 
Later, we had twins that have been 10 weeks untimely. They are thriving in highschool now, however with out insurance coverage these post-natal payments would possibly nonetheless be hanging over us at the moment. 

Any of those occasions, throughout a big selection of coverages, may need utterly disrupted our household and left us with an unrecoverable monetary burden. It's a story that we see on daily basis, when individuals both don’t know about or can’t afford to purchase insurance coverage. Or worse, they have purchased it, however don’t perceive what's and isn’t lined and whether or not extra insurance coverage is likely to be wanted. 

Recently, great work has been accomplished within the business to create higher experiences for people, households and companies. This work is letting individuals discover, study, purchase, service, and handle claims at the time and place of their selecting, utilizing the strategy that works greatest for them. This can be a large enchancment for the business and for the insurance coverage expertise. But as we go on this journey to enhance the expertise and win extra enterprise, let us ensure that our prospects all the time perceive what they're and aren’t shopping for and the place the bumps in life can nonetheless wreck an individual’s or a enterprise’s whole life. 

So this yr,  I'm grateful for insurance coverage—really. I’m nonetheless unsure that’s what I’ll say on the dinner desk.  

However it's also with hope and a little bit of trepidation that I contemplate the way forward for our business. As it expands in new and fascinating methods, let’s hope that we keep aligned to our core operate and promise to our policyholders.  

Wishing you peace and happiness this season, 

– Michael