The Sucker Subsidy:
Why most policyholders get rolled
Here’s the part most people never get told.
Daniel and I are insiders.
Trained in this industry. Credentialed. Paid to understand how it works.
And we both hate what it’s become.
That’s not irony. That’s the tell.
The people who truly understand insurance,the gears, the language, the delay tactics, are usually the ones most disgusted by it. Because once you see behind the curtain, you can’t unsee it.
Modern insurance isn’t really about protection anymore.
It’s about endurance.
It’s a slow, grinding shell game wrapped in paperwork, phone trees, and just enough confusion to make you question whether it’s worth continuing.
And that’s not an accident.
How the Game Is Actually Rigged
Let’s break it down in plain English.
1. The War of Attrition
Insurance companies don’t usually beat you by being right.
They beat you by being patient.
They delay.
They ask for one more form.
They “review” it again.
They send you in circles.
Not because they’re confused; but because they know most people can’t afford to wait forever.
Eventually, people give up or settle cheap just to move on with their lives.
That’s the plan.
2. The Knowledge Trap
About 1% of policyholders know how to push back properly.
They know what to document.
They know what words matter.
They know when a delay crosses a line.
That 1% usually gets paid.
Everyone else?
They unknowingly subsidize the system.
If you don’t know how the rules work, you’re not “protected.”
You’re funding someone else’s payout.
3. The Sucker Subsidy
This is the part nobody wants to say out loud.
Record profits don’t come from genius underwriting or brilliant risk models.
They come from:
People who don’t dispute
People who don’t know they can
People who are scared of lawyers
People who are too exhausted to keep going
That silent majority—the confused, overwhelmed, everyday policyholders—are the profit center.
That’s not insurance.
That’s math fueled by ignorance.
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