This episode explains how to think about insurance from a risk-first perspective rather than a product-first one. Using a simple four-part risk mitigation framework based on frequency and severity, it shows how to decide which risks should be avoided, retained, mitigated, or transferred to an insurer.

I explain the hidden traps buried in policy asterisks, illustrating how definitions, exclusions, and fine print are used to protect institutional profits and reject claims, so viewers can make informed, long-term insurance decisions rather than buying coverage blindly.

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