🎄 “Insurance Sucks”…
and the Kids Are Finally Saying It Out Loud
How a Holiday Chat at the YMCA Turned Into the Most Honest Focus Group I Never Asked For
You ever have one of those magical holiday moments that wasn’t supposed to be magical at all?
I’m walking out of the YMCA—Christmas music humming, wreaths on the doors, everybody pretending they didn’t just get brutally humbled by a treadmill—and these two young adults, early 20s, stop me to ask what I do.
So I tell them.
“I run something called INSSUX. It stands for… Insurance Sucks.”
Before I could even finish, they fired back in perfect Gen-Z harmony:
“Obviously. It DOES suck.”
No hesitation. No confusion. No corporate-trained politeness.
Just truth. Crisp, raw, unwrapped truth. Merry Christmas to me.
Then the girl says:
“I just got my renewal—no accidents, no tickets, NOTHING. It jumped from that to that. For no reason. I’m losing my mind.”
Her friend nods like he’s waiting on the Ghost of Christmas Premiums Past to visit him next.
And I’m standing there thinking:
Forget marketing surveys. Forget demographic breakdowns. Forget focus groups.
This is the entire generation, right here in front of me, gift-wrapped by the universe, telling me the quiet part out loud:
**They already know insurance is broken.
They already know the system is stacked.
They already hate paying for a product they can’t afford—and don’t trust.**
And right behind that comes the REAL holiday blessing…
They get INSSUX instantly.
No long explanation. No pie charts. No graphs.
Just: “Insurance sucks.”
And they go, “Yep. Where do I sign?”
Why?
Because for younger people, this isn’t a theory or a lecture, it’s their lived experience.
Rent is up. Groceries are up. Gas is up.
And insurance companies?
Oh they’re on their own sleigh ride into the stratosphere with premiums rising like they’ve been drinking Mrs. Claus’s eggnog concentrate.
Young people aren’t dumb—they know they’re being squeezed, and they know the system isn’t built for them. So when you show them a token-driven model that:
Puts the power back in the hands of the people
Funds AI that helps them challenge BS insurance decisions
Creates a community where “insurance justice” is an actual thing
Costs them zero upfront
And gives them a shot at owning part of the future of claims tech…
They lean in.
They lean in because nobody else has ever offered them anything except rate increases and excuses.
This holiday season, when people are stretching every dollar and hoping for even the smallest miracle, the idea that someone is finally building a system that doesn’t treat policyholders like walking ATMs?
That hits different.
NSUX isn’t just a token.
It’s not just a brand.
It’s a pretty loud, socially-powered, youth-approved statement that says:
❄️ “Yeah, insurance sucks.
But we don’t have to just take it anymore.” ❄️
If the insurance industry is the Grinch, then Silver Solver is our turbo-charged, AI-powered Cindy Lou Who,but she hits back harder and she’s not afraid to climb up Mount Premium to drag down some justice.
So here’s to the young people, 20-something, stressed, overworked, overcharged, underpaid,and still smart enough to know when something’s finally being built for them.
Merry Christmas, kids.
Your holiday gift this year is a movement that’s got your back.
—Jack D. Hapsburg
NSUX Rebel-in-Chief
#makethempay #inssux #insurancejustice