A Quote by Gordon B. Hinckley
Everyone who owns a home recognizes the need for fire insurance. We hope and pray that there will never be a fire. Nevertheless, we pay for insurance to cover such a catastrophe, should it occur. We ought to do the same with reference to family welfare.
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Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.
The basic premise of insurance is the pooling of funds from many to cover the costs of some. There are complicated methods for how to do this, but one fact remains consistent: For insurance to work well, people need to be in and stay in the insurance pool.
Advertising is the best insurance that you can take out on your business. You can buy fire insurance on your stock of goods, but no company will issue a policy covering your business, the good will as they sometimes call it. You must insure yourself, and the best way to do it is by advertising. Good advertising kept up for a number of years gives you something that no fire can take away.
Personal responsibility extends to the purchase of health insurance. Citizens should not be able to cheat their neighbors by not buying insurance, particularly when they can afford it, and expect others to pay for their care when they need it.
The first American insurance company was the Friendly Society for the Mutual Insurance of Houses Against Fire, founded in Charles Town in South Carolina, in 1735.
The premise of insurance is to spread the risk. It's the premise of homeowner's insurance, of car insurance, and of health insurance. It's one reason why it's important to have insurance when you're healthy, so that when you get sick, you won't go sign up just when you get sick, because that increases the cost for everyone.
We shouldn't think of family leave as an elite benefit, only available at some companies. Everyone in Maine, whether they have a child or are caring for a sick family member, should have access to this same benefit. It should be like unemployment insurance, there for you when you need it.
New rule: If churches don't have to pay taxes, they also can't call the fire department when they catch fire. Sorry reverend, that's one of those services that goes along with paying in. I'll use the fire department I pay for. You can pray for rain.
We should all have the legal right to purchase health insurance from any insurance company in any state, and we should be able use that insurance wherever we live. Health insurance should be portable.
There is no doubt at all that the government monopoly over the insurance business had to end. There is a crying need for better service, more innovation, and a comprehensive insurance cover.
Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.
I pay for homeowner's insurance, I pay for car insurance, I pay for health insurance.
While Free Choice Vouchers didn't fulfill my vision of a health care system in which every American would be empowered to hire and fire their insurance company, they were a foothold for choice and competition and a safety valve for Americans whose employers are already forcing them to bear more and more of their family's health insurance costs.
When you pay a hospital bill, you're really paying two hospital bills - one bill for you because you have a job and/or insurance and can pay the hospital. and another bill, which is tacked onto your bill, to cover the medical expenses of someone who doesn't have a job and/or insurance and can't pay the hospital.
I know what it's like to have a family and not have insurance and really need it. As a comic, insurance was one of those sacrifices I made early on until I could afford it.
We need to level the playing field so that people who buy insurance individually at the same tax rates as those who buy it than get it through work. We need to be able to let people to shop across state lines for better deals with insurance that works for them and their family, not something the government says they have to have.
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