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...
A few days before Hurricane Melissa struck, I shared some thoughts on preparation and protection, how insurance is a promise we put in place before we ever need it. Now, as we witness the storm’s aftermath, I’m reminded of another fact:The real measure of that promise...
In the wake of Hurricane Melissa, we’re seeing both life insurance and peril insurance claims being processed. While both offer vital financial protection, they’re founded on two very different principles: valued contracts and contracts of indemnity. Life Insurance: A...
When disaster strikes, chaos is inevitable, but what determines whether a community stay fragmented or finds strength together is often how leaders guide people through each phase of recovery.In moments like those following Hurricane Melissa, understanding Bruce...
When disaster hits, whether it’s a hurricane, flood, wildfire, or tornado: public shelters become a lifeline. They offer safety, warmth, and a temporary refuge from chaos. But for many, stepping into a shelter can also bring an entirely new set of challenges that test...
I’ve spent most of my professional life, over 35 years, helping people understand the importance of insurance. It’s a unique kind of promise: one you put in place before you ever need it. That’s what makes it powerful, but also what makes it hard for many to...
