by Ramoth Watson | Dec 26, 2025 | Blog
Life doesn’t always give us advance notice. One unexpected event, a medical emergency, an accident, an untimely death, can change a family’s financial future overnight. Yet many people still put off buying insurance, thinking it’s something they’ll...
by Ramoth Watson | Dec 26, 2025 | Blog
Two people can have the same skills, experience, and opportunity, yet end up with very different results.Often, the difference isn’t talent or timing.It’s the mindset they bring into every decision. Long before strategy, credentials, or capital come into play, one...
by Ramoth Watson | Dec 26, 2025 | Blog
Every generation believes it’s witnessing the decline of serious writing. In this instance, AI is the new villain.We’re told it will cheapen creativity, replace writers, and erode standards. We’ve heard this before. The printing press.The typewriter.Word...
by Ramoth Watson | Dec 1, 2025 | Blog
Every so often, I’m reminded of how quickly the world forgets us. When I started my career, the business and entertainment pages of the major newspapers and magazines were always filled with the “captains of industry.” Their photos, their accomplishments, their...
by Ramoth Watson | Dec 1, 2025 | Blog
A clear, conversational look at the structure that keeps the global insurance system stable. In an earlier post, I covered insurance, reinsurance, and retrocession at a high level. The response was strong, and many readers asked for a deeper, but still digestible,...
by Ramoth Watson | Nov 26, 2025 | Blog
In the life insurance world, parents often express a familiar sentiment: “I don’t need life insurance for myself, but I’d be willing to insure my children.” On the surface, this sounds caring and responsible. After all, what parent doesn’t want to protect their...
by Ramoth Watson | Nov 26, 2025 | Blog
Hurricane Melissa has passed, but the impact will be felt for years. As communities assess the damage, one thing is clear: storms like this remind us of the importance of strong building practices, smart land-use decisions, and, often overlooked, proper insurance...
by Ramoth Watson | Nov 22, 2025 | Blog
By Plan for Purpose Trust is the invisible currency that fuels every financial system. Without it, even the most technically sound products fail to gain traction. Nowhere is this more evident than in the world of insurance, especially in many African markets, where...
by Ramoth Watson | Nov 22, 2025 | Blog
Insurable interest is one of the most important principles in life insurance. It ensures policies are purchased for protection, not for financial gain. A policy owner must have a legitimate financial or emotional reason to want the insured person to live. At its core:...
by Ramoth Watson | Nov 18, 2025 | Blog
In the risk-driven world of financial protection, insurance companies don’t carry every risk on their own books. Instead, the industry relies on a multi-layered system designed to distribute exposure and maintain stability, even during catastrophic events. Here’s a...
