The unexpected intersection of insurance and Assassins: A match made in… strategy?

Have you ever wondered what happens when two seemingly unrelated worlds collide? Picture this: insurance and assassins. It sounds like the premise of an offbeat spy movie, doesn’t it? But believe it or not, these two realms share some surprising common ground beyond risk management; they both thrive on strategy, unpredictability, and, in some cases, a little bit of chaos.

Life Insurance: The Assassin’s safety net

Let’s start with Life Insurance. If you think Life Insurance is only for people who live normal, risk-free lives, think again. Imagine an assassin who, by definition, has a career where danger lurks around every corner. Sure, they’re highly trained professionals, but one missed shot or unexpected ambush could spell the end of their career (and life).

Life Insurance, in this case, could offer a comforting sense of security. If an assassin’s untimely death happens while carrying out a job, their family or beneficiaries would at least be able to cash in on a decent payout. A little grim? Sure. But practical? Absolutely!

And let’s not forget about Disability Insurance. What happens if an assassin’s shoulder gets dislocated mid-mission, or they take an unfortunate tumble during a rooftop chase? Disability Insurance can help keep them afloat while they heal (or recover from their potentially career-ending injury).

Assassins and Risk Management: A shared language

If we take a step back, there’s a striking similarity between the world of assassination and the world of insurance: risk management. Assassins are risk experts. Whether they’re assessing the likelihood of getting caught, tracking down the perfect target, or calculating the best time to strike, they know how to manage uncertainty.

Enter insurance. Much like an assassin, insurance companies deal with risk every day,  calculating the odds of an individual making a claim and weighing that against the premiums being paid. The higher the risk, the more they charge. It’s not exactly a secret; it’s just math.

An assassin’s life, just like someone taking out a policy, is a matter of minimising risk. Sometimes, though, things can go sideways. And that’s where strategy comes into play. The best assassins, much like the best insurance brokers, thrive in a world where unpredictability is a constant. It’s not about avoiding risk but mastering it.

The “Assassin” premium

Imagine an assassin wanting to take out an insurance policy. What kind of premiums would they be quoted? If you were the insurance broker, you’d be looking at their occupation and thinking, “Hmm, risky business.” The premiums would likely be sky-high, thanks to the nature of the job. And this leads us to an interesting point. What if these high-risk clients were treated differently?

In the world of insurance, high-risk individuals like skydivers, race car drivers, or even deep-sea divers are typically charged higher premiums to cover their extreme activities. But in the world of assassins, the concept of an “assassin’s premium” would definitely apply. How do you price a person whose job involves running from explosions, scaling buildings, and dodging bullets?

In this scenario, we’d be dealing with an insurance policy that requires some serious negotiation and serious premiums. The more extreme the job, the higher the cost to cover it.

The Assassin’s getaway plan: Liability Insurance

Let’s say an assassin’s mission goes a little awry. They mistakenly take out a “high-value” target’s bodyguard, or perhaps an innocent bystander gets caught in the crossfire. Now, who pays for the damages? You guessed it, Liability Insurance!

It’s the assassin’s backup plan. Liability Insurance covers mistakes and accidents that could lead to a lawsuit. For example, imagine a scenario where an assassin takes a shot, but the bullet ricochets and hits a local vendor’s market stand. The assassin could be financially ruined unless, of course, they had proper liability coverage to protect themselves.

While the assassin may not have to deal with the headache of lawsuits (because their line of work probably doesn’t lend itself to a friendly courtroom), the concept of Liability Insurance certainly rings true. Accidents happen even for the most precise professionals.

The final blow: What Assassins can teach us about coverage

We’ve talked about Life Insurance, Risk Management, Liability coverage, and even high premiums, but one thing we can take away from the assassin world when it comes to insurance is planning for the unexpected. Assassins know that no mission is guaranteed to go as planned. The same goes for life in general; no one can predict the future. And that’s why insurance is so important.

An assassin doesn’t leave their life up to chance, and neither should you. Whether it’s planning for a risky career move or protecting your family’s future, Life Insurance is about taking control of the unknowns in life. And just like an assassin who anticipates every potential threat, we should be proactive about preparing for what’s ahead, no matter how unpredictable it might be.

Conclusion

Next time you’re signing that insurance policy, take a moment to think of the assassin. While you might not be preparing for a high-stakes mission, you’re both involved in the art of minimizing risk and making sure the unexpected doesn’t catch you off guard. And who knows? Maybe you’ll feel a little more like a secret agent when you check that “Life Insurance” box.

And yes, in case you were wondering, watching Black Doves on Netflix gave me the idea of this blog! 😊