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   All about insurance
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   The in-case-of-everything business
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          Wednesday, May 6, 2026
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          The 
in-case-of-everything business
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          Getty Images
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          Full coverage
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          The problem was bandits. And storms. In ancient Mesopotamia, a merchant sending cargo across the sea stood to lose everything they had in a single voyage. So, along with financial types, they cooked up a workaround: the merchants would borrow money to finance the voyage, paying exorbitant interest rates. Lenders accepted the 
exorbitant rates, but agreed to cancel the debt if a ship went down. At scale, the math worked, with merchants giving up some cash but staying whole, and lenders earning enough money overall to accept some losses. This system, the earliest known version of insurance, comes down to us from the Code of Hammurabi (and the term for it, “bottomry,” is still used today).
         </div>
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          <br/>
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         <div>
          When, in the 1680s, Edward Lloyd opened a London coffee house where merchants could scrawl their names under shipping risks — literally under-writing them —
he created what would become the largest insurance market in the world. What has changed, in the centuries since Lloyd's was founded, is everything else: the specific risks, the sheer scale, and the items worth insuring, from actress’s legs to crypto wallets. We’ll cover the rest below.
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              SPONSORED
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               AI that works for you, not the other way around. Shift AI brings browser-wide intelligence to your workflow without breaking it. Customize how it thinks. Turn it off anytime. Built-in privacy, no exceptions.
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           By The Digits
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        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:5px 30px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;mso-line-height-rule:exactly">
         <div style="line-height: 1.7">
          <span style="color:#555D68">
           The approximate number of distinct, overlapping systems through which Americans get health coverage — employer plans, Medicare, Medicaid, ACA marketplaces, COBRA, Medicare Advantage, Medigap, and more — each with its own rules, each incompatible with the others.
           <span class="ql-cursor">
            
           </span>
          </span>
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       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="12%" data-linktype="Normal" style="color:#105C8E" target="_blank">
           12%
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:5px 30px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;mso-line-height-rule:exactly">
         <div style="line-height: 1.7">
          <span style="color:#555D68">
           How much U.S. auto insurance rates rose in 2025, after rising double digits in 2023 and 2024, too.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="$27,000" data-linktype="Normal" style="color:#105C8E" target="_blank">
           $27,000
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:5px 30px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;mso-line-height-rule:exactly">
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          <span style="color:#555D68">
           Average cost, annually, of a family health insurance plan in the U.S. as of 2025.
           <span class="ql-cursor">
            
           </span>
          </span>
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        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" style="width:100%;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
         <table border="0" cellpadding="0" cellspacing="0" class="email-cell-group" style="border-collapse:collapse;width:100%;table-layout:fixed">
          <colgroup>
           <col width="100%"/>
          </colgroup>
          <tbody>
           <tr>
            <td colspan="1" height="24" style="height:24px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
             <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
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            </td>
           </tr>
           <tr>
            <td class="editor-cell-text" colspan="1" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;mso-line-height-rule:exactly">
             <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
              <a data-linktext="$21 million" data-linktype="Normal" style="color:#105C8E" target="_blank">
               $21 million
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             </h3>
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          </tbody>
         </table>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:5px 30px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;mso-line-height-rule:exactly">
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           Apparent amount for which Kim Kardashian insured her butt, at Kanye’s urging, when they were married, at least according to persistent rumors.
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           </span>
           
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          <colgroup>
           <col width="100%"/>
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            <td colspan="1" height="24" style="height:24px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
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            <td class="editor-cell-text" colspan="1" style="background-color:#EDF0F4;width:100%;border:30px none #FFF;line-height:1.67;font-size:16px;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;mso-line-height-rule:exactly">
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              <a data-linktext="$8 trillion" data-linktype="Normal" style="color:#105C8E" target="_blank">
               $8 trillion
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15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;mso-line-height-rule:exactly">
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          <span style="color:#555D68">
           Dollar value of the total insurance industry worldwide as of 2024, making it one of the largest on earth.
           <span class="ql-cursor">
            
           </span>
           
          </span>
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           Quotable
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              <img class="img100" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252Fquote-marks.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzgwOTY2MDMuMzkxNzkzNX0:1wKi9T:9c00bCzbUgOYNvL9KRoYZLMyH9uHCiVjXeMWDcSmZGo" style="width:19px;max-height:15px;vertical-align:middle" width="19"/>
             </div>
            </td>
            <td colspan="4" style="width:66.6667%;background-color:#E9F2F9;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
             <table border="0" cellpadding="0" cellspacing="0" class="email-cell-group" style="border-collapse:collapse;width:100%;table-layout:fixed">
              <colgroup>
               <col width="100%"/>
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              <tbody>
               <tr>
                <td class="editor-cell-text" colspan="1" style="line-height:1.7;background-color:#E9F2F9;width:100%;padding:15px 10px 5px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
                 <div>
                  <span style="color:#000000">
                   Peace of mind for you and your family.
                   <span class="ql-cursor">
                    
                   </span>
                  </span>
                 </div>
                </td>
               </tr>
               <tr>
                <td class="editor-cell-text" colspan="1" style="line-height:1.5;background-color:#E9F2F9;width:100%;padding:5px 10px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
                 <div>
                  <em style="color:#555D68">
                   The eternal sales pitch for life insurance, unchanging since the time of Hammurabi (probably)
                  </em>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
            <td class="editor-six-col editor-cell-text" colspan="1" height="1" style="width:16.6667%;background-color:#E9F2F9;height:1px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
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         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 
auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Arial,Helvetica,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          <span style="font-family:Arial,Helvetica,sans-serif;font-size:20px">
           Pop Quiz
          </span>
         </h2>
        </td>
       </tr>
       <tr class="trpad30">
        <td class="editor-cell-text td100" colspan="6" style="width:100%;padding:10px 30px;line-height:1.7;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
         <div>
          Which storm caused the largest insured losses in history?
         </div>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:15px 
30px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <strong>
           A. Hurricane Katrina (2005)
          </strong>
         </div>
         <div>
          <strong>
           B. Hurricane Maria (2017)
          </strong>
         </div>
         <div>
          <strong>
           C. Hurricane Harvey (2017)
          </strong>
         </div>
         <div>
          <strong>
           D. Hurricane Ian (2022)
           <span class="ql-cursor">
            
           </span>
          </strong>
         </div>
        </td>
       </tr>
       <tr class="trpad30">
        <td class="editor-cell-text td100" colspan="6" style="width:100%;padding:10px 
30px;line-height:1.7;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="font-family:Arial,Helvetica,sans-serif">
           Check out the answer at
          </span>
          <a data-linktext="the bottom of this email" data-linktype="Anchor" style="color:#105C8E;font-family:Arial,Helvetica,sans-serif">
           the bottom of this email
          </a>
          <span style="font-family:Arial,Helvetica,sans-serif">
           .
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
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       <tr>
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         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 
#9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Noto Sans,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          <span style="font-size:20px;font-family:Arial,Helvetica,sans-serif">
           Brief History
          </span>
         </h2>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.5;background-color:#EDF0F4;width:100%;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="1666" data-linktype="Normal" style="color:#105C8E" target="_blank">
           1666
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;vertical-align:top;font-family:Noto 
Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           The Great Fire of London destroys 13,000 homes. In its wake, the first fire insurance companies emerge, complete with their own private fire brigades, which only extinguish fires on insured buildings. Metal plaques on your door told firefighters whether to save your house or let it burn.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.5;background-color:#EDF0F4;width:100%;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="1840s" data-linktype="Normal" style="color:#105C8E" target="_blank">
           1840s
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;vertical-align:top;font-family:Noto 
Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           The predecessor company to New York Life writes policies insuring the lives of enslaved coal miners in central Virginia. The enslaved person was the asset. The slaveholder held the policy and collected on their death. This is probably as dark as anything ever gets.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto 
Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.5;background-color:#EDF0F4;width:100%;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto 
Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="1912" data-linktype="Normal" style="color:#105C8E" target="_blank">
           1912
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           The Titanic sinks. Lloyd's pays all claims within 30 days. Several individual underwriters are nearly bankrupted. No ship had ever ruined so many wealthy men at once.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.5;background-color:#EDF0F4;width:100%;padding:15px 30px 5px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="1945" data-linktype="Normal" style="color:#105C8E" target="_blank">
           1945
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           Congress passes the McCarran-Ferguson Act, cementing state-by-state insurance regulation after a Supreme Court ruling threatened federal oversight. The industry apparently preferred 50 regulators
to one. It got them, and the fragmentation that followed.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="24" style="width:100%;height:24px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.5;background-color:#EDF0F4;width:100%;padding:15px 30px 
5px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <h3 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Serif,serif;font-size:18px;color:#105C8E;font-weight:bold">
          <a data-linktext="2026" data-linktype="Normal" style="color:#105C8E" target="_blank">
           2026
          </a>
         </h3>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           Enhanced ACA premium tax credits, introduced during COVID and extended through 2025, expired on January 1 after Congress failed to renew them. The problem isn't just affordability for the poor; it's pool logic. The CBO projects nearly 4 million people will 
lose marketplace coverage — overwhelmingly younger, healthier people who decide they’d rather get a sandwich now and then. This makes coverage pricier for everyone who stays.
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
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         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto 
Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
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       <tr>
        <td class="td100" colspan="6" style="width:100%;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
         <table style="width: 100%; border-collapse: collapse">
          <tbody style="padding:0;margin:0;touch-action:auto">
           <tr style="margin:0">
            <td align="center" style="padding:0;margin:0;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
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         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 
#9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Noto Sans,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          <span style="font-family:Arial,Helvetica,sans-serif;font-size:20px">
           Fun Fact
          </span>
         </h2>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#E9F2F9">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#E9F2F9;width:100%;padding:15px 30px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           Lloyd's of London — originally 
founded in that 1680s coffee house — has since insured Dolly Parton's breasts, Bruce Springsteen's voice, a food critic's taste buds, and a hole-in-one competition where the prize was a million dollars. There's an entire corner of the insurance world called "specialty" or "unusual risk" underwriting, and Lloyd's is basically the venue of last resort for anything too strange for a normal policy. If you can describe the risk, someone at Lloyd's
          </span>
          <a data-linktext="will price it" data-linktype="Normal" style="color:#105C8E" target="_blank">
           will price it
          </a>
          <span style="color:#555D68">
           .
           <span class="ql-cursor">
            
           </span>
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr>
        <td align="center" class="td100" colspan="6" style="width:100%;vertical-align:top;padding-top:15px;padding-bottom:15px;font-family:Noto Sans,sans-serif;font-size:16px">
         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Arial,Helvetica,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          Take Me Down This Rabbit Hole
         </h2>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#EDF0F4">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#EDF0F4;width:100%;padding:5px 30px 15px;font-family:Arial,Helvetica,sans-serif;vertical-align:top;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <span style="color:#555D68">
           The Kim Kardashian of her time? Betty Grable's legs were insured for $1 million and called a
          </span>
          <a data-linktext='"major Hollywood landmark" by Life Magazine in 1943' data-linktype="Normal" style="color:#105C8E" target="_blank">
           "major Hollywood landmark" by Life Magazine in 1943
          </a>
          <span style="color:#555D68">
           . The face of the actress appeared in only a few of the accompanying photos. So, nothing objectifying.
          </span>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr>
        <td align="center" class="td100" colspan="6" style="width:100%;vertical-align:top;padding-top:15px;padding-bottom:15px;font-family:Noto Sans,sans-serif;font-size:16px">
         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
           </tr>
          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Arial,Helvetica,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          Poll
         </h2>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" style="width:100%;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px">
         <div class="editor-email-poll" data-pollid="875cdc55-68d0-4c95-8745-a15d1a57e73b">
          <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
           What kind of insurance are you seeking?
          </h2>
          <div style="font-family: Arial, Helvetica, sans-serif">
           <br/>
          </div>
          <div class="editor-poll-answers classic">
           <table border="0" cellpadding="0" cellspacing="0" style="margin: 0 0 8px 0;" width="100%">
            <tbody>
             <tr>
              <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
               <table border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; mso-table-lspace:0; mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                <tbody>
                 <tr>
                  <td height="20" style="vertical-align:middle;text-align:center;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                   <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                   </a>
                   <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="20" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; padding-right:15px;mso-padding-right-alt: 15px;padding-left:15px;mso-padding-left-alt: 15px;padding-top:20px;mso-padding-top-alt: 20px;padding-bottom:20px;mso-padding-bottom-alt: 20px; " width="100%">
                    <tbody>
                     <tr>
                      <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                       <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; " width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
                           <!--[if !mso]><!-->
                           <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">
                            Coverage for my personality, a pre-existing condition
                           </a>
                           <!--<![endif]-->
                           <!--[if mso]><a href="https://www.ne16.com/t/10704072/226416231/9071108/1/1009502/?abb9e380=ZTRmYjBkNTItYjk2My00Mjg3LWIyYmItMTEyYWMyZmRkMGJj&x=878a92c7" target="_blank" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; "> Coverage for my personality, a pre-existing 
condition</a><![endif]-->
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
              </td>
             </tr>
            </tbody>
           </table>
           <table border="0" cellpadding="0" cellspacing="0" style="margin: 0 0 8px 0;" width="100%">
            <tbody>
             <tr>
              <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
               <table border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; 
mso-table-lspace:0; mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                <tbody>
                 <tr>
                  <td height="20" style="vertical-align:middle;text-align:center;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                   <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: 
none; font-family: Arial; font-size: 16px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                   </a>
                   <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="20" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; padding-right:15px;mso-padding-right-alt: 15px;padding-left:15px;mso-padding-left-alt: 15px;padding-top:20px;mso-padding-top-alt: 20px;padding-bottom:20px;mso-padding-bottom-alt: 20px; " width="100%">
                    <tbody>
                     <tr>
                      <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                       <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; " width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
                           <!--[if !mso]><!-->
                           <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">
                            Something that pays out if my boss is replaced by AI before I am
                           </a>
                           <!--<![endif]-->
                           <!--[if mso]><a href="https://www.ne16.com/t/10704072/226416231/9071109/1/1009502/?abb9e380=ZTRmYjBkNTItYjk2My00Mjg3LWIyYmItMTEyYWMyZmRkMGJj&x=7bf9fc4e" target="_blank" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; 
border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">Something that pays out if my boss is replaced by AI before I am</a><![endif]-->
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
              </td>
             </tr>
            </tbody>
           </table>
           <table border="0" cellpadding="0" cellspacing="0" style="margin: 0 0 8px 0;" width="100%">
            <tbody>
             <tr>
              <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
               <table border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; mso-table-lspace:0; mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                <tbody>
                 <tr>
                  <td height="20" style="vertical-align:middle;text-align:center;font-family:Noto 
Sans,sans-serif;font-size:16px" valign="middle">
                   <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                   </a>
                   <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="20" style="-webkit-border-radius:
5px; -moz-border-radius: 5px; border-radius: 5px; padding-right:15px;mso-padding-right-alt: 15px;padding-left:15px;mso-padding-left-alt: 15px;padding-top:20px;mso-padding-top-alt: 20px;padding-bottom:20px;mso-padding-bottom-alt: 20px; " width="100%">
                    <tbody>
                     <tr>
                      <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                       <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; " width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
                           <!--[if !mso]><!-->
                           <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">
                            Alien attack — I've read enough news this year to 
consider it likely
                           </a>
                           <!--<![endif]-->
                           <!--[if mso]><a href="https://www.ne16.com/t/10704072/226416231/9071110/1/1009502/?abb9e380=ZTRmYjBkNTItYjk2My00Mjg3LWIyYmItMTEyYWMyZmRkMGJj&x=807d8e67" target="_blank" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">Alien attack — I've read enough news this year to consider it 
likely</a><![endif]-->
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
              </td>
             </tr>
            </tbody>
           </table>
           <table border="0" cellpadding="0" cellspacing="0" style="margin: 0;" width="100%">
            <tbody>
             <tr>
              <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
               <table border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; mso-table-lspace:0; 
mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                <tbody>
                 <tr>
                  <td height="20" style="vertical-align:middle;text-align:center;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                   <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: 
Arial; font-size: 16px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                   </a>
                   <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="20" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; padding-right:15px;mso-padding-right-alt: 15px;padding-left:15px;mso-padding-left-alt: 15px;padding-top:20px;mso-padding-top-alt: 20px;padding-bottom:20px;mso-padding-bottom-alt: 20px; " width="100%">
                    <tbody>
                     <tr>
                      <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px" valign="middle">
                       <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; " width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:5px;-moz-border-radius:5px;border-radius:5px;font-family:Noto Sans,sans-serif;font-size:16px">
                           <!--[if !mso]><!-->
                           <a style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">
                            Coverage for my will to live after open enrollment season
                           </a>
                           <!--<![endif]-->
                           <!--[if mso]><a href="https://www.ne16.com/t/10704072/226416231/9071111/1/1009502/?abb9e380=ZTRmYjBkNTItYjk2My00Mjg3LWIyYmItMTEyYWMyZmRkMGJj&x=70199e9f" target="_blank" style="-webkit-border-radius: 5px; -moz-border-radius: 5px; border-radius: 
5px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 16px; font-weight: bold; border: none; display: block; ">Coverage for my will to live after open enrollment season</a><![endif]-->
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
              </td>
             </tr>
            </tbody>
           </table>
          </div>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
        </td>
       </tr>
       <tr>
        <td align="center" class="td100" colspan="6" style="width:100%;vertical-align:top;padding-top:15px;padding-bottom:15px;font-family:Noto Sans,sans-serif;font-size:16px">
         <div class="ruleContent">
          <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:2px;width:100%;text-align:center;background-color:#256A98;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
           <tr>
            <td style="font-size:2px;mso-line-height-rule:exactly;line-height:2px;vertical-align:top;font-family:Noto Sans,sans-serif">
            </td>
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          </table>
         </div>
        </td>
       </tr>
       <tr class="trpad10">
        <td class="editor-cell-text td100" colspan="6" style="text-align:center;vertical-align:middle;width:100%;padding:15px 10px;font-family:Noto Sans,sans-serif;font-size:16px">
         <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Noto Sans,sans-serif;font-size:20px;font-weight:bold">
          <span style="font-family:Arial,Helvetica,sans-serif">
           Let’s 
Talk
          </span>
         </h2>
        </td>
       </tr>
       <tr class="trpad30" style="background-color:#E9F2F9">
        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#E9F2F9;width:100%;padding:15px 30px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <strong style="font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#105C8E">
           <a data-linktext="X this!" data-linktype="Normal" style="color:#105C8E" target="_blank">
            X 
this
           </a>
          </strong>
         </div>
        </td>
       </tr>
       <tr>
        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
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        <td class="editor-cell-text td100" colspan="6" style="line-height:1.7;background-color:#E9F2F9;width:100%;padding:15px 30px;vertical-align:top;font-family:Noto Sans,sans-serif;font-size:16px;mso-line-height-rule:exactly">
         <div>
          <strong style="color:#105C8E;font-family:Noto Serif,serif">
           <a data-linktext="What did you think of today’s email?" data-linktype="Normal" style="color:#105C8E" target="_blank">
            What did you think of today’s email?
           </a>
          </strong>
         </div>
        </td>
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        <td class="td100" colspan="6" height="15" style="width:100%;height:15px;font-size:1px;vertical-align:top;font-family:Noto Sans,sans-serif">
         <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
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            What should we obsess over next?
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           Today’s email was written by Catherine Baab,
          </span>
          <span style="color:#555D68">
           author of
          </span>
          <a data-linktext="Poe for Your Problems: Uncommon Advice from History’s Least Likely Self-Help Guru. hose book was stolen by Meta to train its LLM." data-linktype="Normal" style="color:#105C8E" target="_blank">
           Poe for Your Problems: Uncommon Advice from History’s Least 
Likely Self-Help Guru. hose book was stolen by Meta to train its LLM.
          </a>
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          <em>
           The correct answer to the pop quiz is A, Hurricane Katrina. Katrina
           <a data-linktext="still holds the record" data-linktype="Normal" style="color:#105C8E" target="_blank">
            still holds the record
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           at more than $200 billion in losses.
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