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...
by Ramoth Watson | Nov 18, 2025 | Blog
When natural disasters strike, like the devastating impact of Hurricane Melissa, charitable support becomes essential. Celebrities often step forward to help, but when they film their donations, public reactions tend to split. Some applaud the awareness raised; others...
by Ramoth Watson | Nov 18, 2025 | Blog
As Hurricane Melissa battered Jamaica, a different kind of storm raged online, one fueled by sensationalism, misinformation, and profit. The episode revealed deep cracks in modern media ethics and the human cost of chasing clicks over credibility. A Storm Within the...
by Ramoth Watson | Nov 18, 2025 | Blog
When disasters strike, they mean very different things to different people.For victims, it’s about urgent help, safety, and recovery. For businesses, it can mean a surge in rebuilding work. For professionals, it opens competition to provide needed expertise. In every...
by Ramoth Watson | Nov 10, 2025 | Blog
There’s a growing number of voices suggesting that homeownership is overrated. They argue that renting and investing the difference produces higher returns, and on paper, that might look true. But in reality, few people have the discipline to consistently invest for...
