Post pandemic, Insurance premium inflation became a pain. Claims got harder to settle. Customers started calling insurance companies the enemy. The core issue is in the biz model of the industry. The insurer and the customers sit on opposite sides of the table. The insurer wins when claims do not get paid. The customer wins when they do. So both sides hide. The customer hides health conditions. The insurer hides behind fine print. When something goes wrong, claims adjusters & lawyers show up....