No it’s just that the insurance companies want mandated insurance pools for which they just receive checks.

In health insurance they don’t cover the elderly, and until Obama they did not cover people with prior conditions.

For home insurance they don’t cover flood get your are mandated to carry one if you have a mortgage.

In life insurance they do not cover you if you have a disease.

It’s more like a lottery rather than insurance.

Some people have always been uninsurable.

When you become uninsurable yourself, all you're doing is crossing an imaginary line that has always been there, and kept in imaginary condition precisely to insure that your mental health is stable enough to keep on paying more than anything else :\

You're not supposed to notice this.

Whether or not you crossed that line due to any fault of your own, or from the line moving past you with a whimper or a whoosh, you're also not supposed to be able to tell the difference until it's too late.

Working with the big ships that are often covered by some of the most well-established insurers in the world, it turns out that when you really need them to pay a claim, the stronger your insurance company, the more likely their lawyers will outmaneuver yours, and the claim will not be paid.

Otherwise it could be paying the claim but denying further coverage which the limited number of alternative underwriters can also deny. That's a hell of a negotiating position.