Third World Animal Mentality

In the animal kingdom it is survival of the fittest in the rule of the jungle or upon the hunting savannah. Human beings, however, attained evolutionary moral fiber. Now it is eroding into immoral anti-fiber through the corruption of law. It is evolving from the legal rights of the insurance industry to rule over society as a modern-day mafia. According to our text book, "An insurance firm with 200 independent agents allows them access to claim data from more than 1 million customers. This access allows the agents to avoid high-risk customers as well as to compare claim data with their own database of customers" (Strauss & Frost, 2009, Ch 6, p. 121).

How convenient for a processing agent to easily query a database; and in industry muted terms, "avoid high-risk customers." So the purpose of the insurance industry is to ensure not to insure those in need? Of course there is insurance for the young and healthy, but what happens when they become old and unhealthy, or even young with too many insurance claims? Then the insurance industry declares the legal right to "avoid high-risk customers," gouge existing at-risk customers with outrageously unaffordable premiums, or use legal means to get rid of them all together in a process called liability dumping. A mafia promises you protection, but from what or from whom? So welcome back to the animal kingdom, in the degraded psyche of the immoral human jungle.



                              References
Strauss, J., Frost, R. (2009). E-marketing - 5th. ed.
Upper Saddle River, NJ: Pearson Prentice Hall.

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