Filip Lundstedt

And the thing that we do with most people, including you, is we go, no, you don't want to do that. What you'd rather do is have a higher deductible, pay a lower premium, and then get an indemnity product on the back end.

Because it's cheaper to add the indemnity monthly than it would be just to pay for the higher premium.

Because it's cheaper to add the indemnity monthly than it would be just to pay for the higher premium.

Because it's cheaper to add the indemnity monthly than it would be just to pay for the higher premium.

It's cheaper to have the two products, and then you have full safety and protection between the two. I call it like a gift box strategy. The insurance, catastrophic insurance, is the foundation. And then the box around it is the protection of an indemnity policy

It's cheaper to have the two products, and then you have full safety and protection between the two. I call it like a gift box strategy. The insurance, catastrophic insurance, is the foundation. And then the box around it is the protection of an indemnity policy

It's cheaper to have the two products, and then you have full safety and protection between the two. I call it like a gift box strategy. The insurance, catastrophic insurance, is the foundation. And then the box around it is the protection of an indemnity policy

And then the ribbon would be like dental or mental therapy or something of that or an HSA, something that's just that little bit extra to make it a little bit fancier.

And then the ribbon would be like dental or mental therapy or something of that or an HSA, something that's just that little bit extra to make it a little bit fancier.

And then the ribbon would be like dental or mental therapy or something of that or an HSA, something that's just that little bit extra to make it a little bit fancier.

And if you've got 20 mil in the bank, you probably don't care if it's a five grand deductible, right? No, you don't, right. But it's like if the five grand is still going to hurt you, then it's worth paying $100 a month to get that or whatever it would cost to get that reimbursed.

And if you've got 20 mil in the bank, you probably don't care if it's a five grand deductible, right? No, you don't, right. But it's like if the five grand is still going to hurt you, then it's worth paying $100 a month to get that or whatever it would cost to get that reimbursed.

And if you've got 20 mil in the bank, you probably don't care if it's a five grand deductible, right? No, you don't, right. But it's like if the five grand is still going to hurt you, then it's worth paying $100 a month to get that or whatever it would cost to get that reimbursed.

But you know, Rudy, even if you had $20 million in the bank and you go to the hospital and you show your insurance card and the next thing you know, you get a check and you made two grand, you're gonna be like, what? It's just, for most people, it just doesn't make sense. They're like, how does this, how did that happen? You gotta remember, 80% of people that are paying premiums for insurance

But you know, Rudy, even if you had $20 million in the bank and you go to the hospital and you show your insurance card and the next thing you know, you get a check and you made two grand, you're gonna be like, what? It's just, for most people, it just doesn't make sense. They're like, how does this, how did that happen? You gotta remember, 80% of people that are paying premiums for insurance

But you know, Rudy, even if you had $20 million in the bank and you go to the hospital and you show your insurance card and the next thing you know, you get a check and you made two grand, you're gonna be like, what? It's just, for most people, it just doesn't make sense. They're like, how does this, how did that happen? You gotta remember, 80% of people that are paying premiums for insurance

Never use it.

Never use it.

Never use it.

Well, that's how insurance works. That's how they make money. Exactly. They always win unless there's a hurricane in Florida. And then they might lose that. That's why I'm not in that business.