#life insurance platform

[amaglobalassistance]

Revitalizing Life Insurance: Unveiling Modernization Strategies and IT Best Practices for Legacy Platforms

The legacy systems within your organization are hindering progress, ensnaring your IT team in a perpetual loop of reactive solutions aimed at addressing deeply ingrained infrastructure issues.

The CEO acknowledges the necessity for change, aspiring to modernize the life insurance platform for contemporary experiences. However, you're aware that modernization is neither straightforward nor inexpensive. Similar to refurbishing an old sports car, it involves more than merely swapping out the engine. The interconnected parts and components are equally crucial in crafting a dependable and smoothly functioning vehicle.

Embarking on a revamp or reconstruction without comprehending the intricate connections between all elements can be calamitous. From billing to underwriting, claims to cash value, a robust infrastructure hinges on seamless collaboration. Concentrating on isolated puzzle pieces may lead to unwarranted complexities, technical debt, increased maintenance, and heightened potential for future errors – all of which burdens your IT team further.

Life insurance carriers face an additional challenge with policies featuring infrequent renewal cycles. Policies spanning decades result in the creation of extensive platforms or ecosystems, posing a substantial cost for conversion to a new system.

Yet, when 88% of insurance professionals assert that legacy systems impede insurers from adapting swiftly to evolving customer needs, what alternatives are available? How can you meet your organization's efficiency demands while preserving your IT team's sanity?

Evaluate your life insurance software upgrade options

There are three paths your organization can pursue when the time comes to make a decisive move. Every IT leader should comprehend these approaches and their implications for both organizational operations and team dynamics.

Rip and replace: Though deemed the cleanest option, replacing the entire system with a new platform is the most time-consuming, expensive, and risky. It provides minimal immediate benefits to your organization and IT team.

2. Greenfield approach: For organizations losing hope in current legacy systems, a "greenfield" approach offers a fresh start without dismantling the existing system. While saving time compared to a full rip and replace, it requires additional system management and doesn't address current technical debt or maintenance challenges.

3. Outside/in approach: Tackling modernization one challenge at a time yields immediate rewards but doesn't alleviate the strain on your IT team, adding complexity to your legacy system.

4. Inside/out approach: Initiating modernization by focusing on individual policy records and customer journeys, then expanding the ecosystem, minimizes day-to-day software management. This approach reduces technical debt, enhances automation, and streamlines workflows, providing tangible benefits to your IT team.

Best practices for your insurance software IT team

Having committed to a system overhaul and implementing a new SaaS life insurance platform, consider these best practices to ensure a positive project experience for your IT team:

Establish robust governance: Secure buy-in from all facets of the organization to facilitate swift and confident progress. Include representatives from IT, C-suite, underwriting, sales, claims, and service teams.

Align decisions with corporate objectives: Understand the organization's short- and long-term goals before choosing a path to avoid wasting resources and overburdening your team.

Collaborate with specialized consultants: Seek an outside perspective from consultants well-versed in technology, the insurance industry, and operational objectives to assist in systems integration.

Leverage vendor support: When selecting vendors, ensure they comprehend your strategy and can genuinely support you during the transition and integration process, acting as a direct extension of your team and organization.

[mortimer]

Why does queueing a post put it at the FRONT of your queue instead of the end now. Who did that. What's the purpose of that functionality. Why on earth would ANYONE want that

[bloggingfirm]

Benefits of Buying Term Insurance through Online Platforms

From online shopping and paying bills through digital methods, finding solutions to moisture protection for electronics and using the Internet for everyday needs has become a standard. It’s no surprise that many people prefer to buy term insurance online rather than visiting an office. Nowadays, all reputable insurance companies have websites with a wide range of different life plans.

Read more...

[isaplife]

Trusted and Affordable Life Insurance Providers in Abu Dhabi

Looking for trusted life insurance providers in Abu Dhabi or an affordable insurance platform in Dubai? isap.life is one of the leading online insurance platforms in the Middle East. We offer a wide range of life insurance plans from top providers at competitive prices. Our easy-to-use platform helps you compare different options and find the best coverage that fits your needs and budget. Get peace of mind with a trusted and affordable life insurance solution from isap.life.

[beingjellybeans]

Sun Life's D.E.A.L.: Empowering first-time insurance buyers with a new digital platform

As a new wave of college graduates prepares to enter the workforce, it is crucial to ensure they start building their financial portfolios on a solid foundation. Sun Life recognizes this need and is committed to promoting its digital life insurance products through GCash, the leading mobile wallet in the country. The Importance of Insurance for Young Adults Many young individuals overlook the…

[fellthemarvelous]

Deny. Defend. Depose.

It is clear to those of us that live in America, the only people we truly have on our side are ourselves. The ruling class has made it clear we don't matter to them.

Luigi Mangione was arrested and happened to have every single piece of evidence on him that law enforcement was looking for, including the parts for the ghost gun, inside his backpack (that he also got rid of in Central Park containing the Monopoly money???). Either he was trying to get caught or that evidence was planted. And when he was being forcefully pushed into the jail, he hollered back to the press about "injustice" and "being an insult to the intelligence of American citizens and our lived experiences."

The people have now turned against corporate America and the CEOs and billionaires are fucking terrified. Nothing the news stations are saying to us are changing our minds. The American people have finally united over this issue and there is no going back for us. Whoever did kill Brian Thompson (and theories abound on the game The Adjuster is playing because no one plays Monopoly alone) exposed the very real divide that exists between every day citizens and the extremely wealthy. Things were easier for them to control when they were able to divide us, but now that we are aware of how uncertain our future is in America and seeing just how little we matter to the people who take our money, we have realized that we have more in common with each other than the people who control every aspect of our lives. We are waking up.

There isn't one person in this country who hasn't been a victim to the predatory scam that is private health insurance. Medical debt is the leading cause of bankruptcy in America, and many of us are one ambulance ride or hospital stay away from homelessness. We all know people who have died because the insurance company denied them the treatment they needed or waited until it was too late for an approval of a medical claim to matter anymore.

Recently, I decided to be tested for autism and ADHD. Not life-threatening or anything, but my life is still in shambles and I want to know if I'm going untreated for something else. Before being tested though, I was informed that the insurance company (Aetna) has said that they were going to cover the full cost of the testing I was having (which was six hours of testing by the way). She even made sure several times that they were, in fact, going to cover it in full and they said yes.

The same day that Brian Thompson, CEO of another horrible healthcare company, was murdered in broad daylight, I received a call from that doctor's office with the woman telling me that Aetna was now telling her they never agreed to cover my testing and that they are going to bill me for $1600 (where the hell am I supposed to get that?) and she is fighting them, but considering our lives don't matter to the people who tell us what healthcare we are and are not allowed to receive, I don't think they will feel compelled to change their minds because they are bloodsucking parasites who only care about lining their pockets while I don't even have $6 lying around, let alone $1600!!

Corporate America leeches off our taxes. They take and take and take and we see nothing in return. They raise prices on insurance coverage and then deny us the very coverage that we pay for. They poison our food, price gouge our poisoned food, and then force us to pay for the treatment we get when the food makes us sick. Corporate America profits off of our hard work, our taxes, our health, our lives, our deaths.

I don't know if this will reach a larger audience or not, but I wanted to talk about it on Tumblr because this platform seems to be a crossroads for every type of creative soul. I initially brought up this idea on TikTok earlier, but I want to see if it can get traction in other places as well since I have fewer than 3,000 followers on TikTok (and I have seen a small few express interest in my idea in the hours since I posted the video.)

We're busy being lectured by politicians and the news media because while they are clutching their pearls at what happened to Brian Thompson, the rest of us do not give one single flying fuck about what happened to him. As CEO of a for-profit health insurance company, he signed off on denied claims and death for those of us who struggle to make it from one day to the next. The sicker you are, the poorer you are, the more they force you to struggle and pay. The love to deny coverage because regardless of whether we live or die, they already have the money we are forced to pay them.

I don't condone murder at all, but I also don't care that he was murdered because he was guilty of murdering so many more people in this country through legal means because it's profitable. The CEOs are scared and there are wanted posters with their names and faces popping up in places. Every CEO of every healthcare company is guilty of murdering Americans and they continue to go unpunished for it because "it's just business".

So (if you've read this far) all of this previous rambling is to say that I keep thinking about how I want to make an impression. I want to continue upsetting the billionaires and the CEOs because corporate America is full of murderers who are legally allowed to decide whether we live or die based on which outcome will give them more money.

I have thought about the idea of creating a wall/constructing a wall somewhere as an art piece or something (making a statement) that will somehow honor the memory of people who died because insurance denied them care.

I know I definitely want it to say something along the lines of "In memory of those murdered by for-profit healthcare systems in corporate America". Something blatant. Loud. Something they are forced to look at every single day. Somehow. The wall could have images of those who are gone, or names of the person who died with the name of the insurance company responsible for their death underneath. Just something to make it clear that we see them for what they are. Something to avenge those who were sacrificed so billionaires and CEOS and shareholders could brag about record profits. Something that shows the whole world that American citizens are waking up to who the real monsters are.

The Adjuster (whoever he is or is not) has fanned the flames of revolution in America. He managed to unite us in a way I can't even recall before. It's not over. We know what happened to Brian Thompson was just the beginning, and corporate America only just now realized how much we actually hate them. A single shooter has sparked an awakening in America that is starting to snowball into something much bigger.

So if there is anyone out there who might be interested in collaborating on something like this, please let me know. I know we are all tired and demoralized and we have no money. I want to make a statement though, and I love doing that through art or writing. Collaborating with other people who have been through this same shit will also probably help us unite even more.

This is a watershed moment in American history.

In the words of Kanan Jarrus, Jedi Knight,

"There is a future for us. One where we're all free. But it's up to us to make it happen."

[asuryachoudharyblr]

With growing customer bases and addition of new services, business data can become hard to manage. By unifying disparate systems, businesses can create a single version of truth and pave the way for better operational efficiency. Read the case study to learn how Damco helped a leading life insurer consolidate data using its suite of technology services.

[ama-research]

https://newsmantraa.us/life-insurance-platforms-market-to-see-huge-growth-by-2027-accenture-tcs-ibm/

[00-jammy-00]

Yan!Doctor HC’s

Yan!Doctor x GN! Patient! Reader

Content warning - Yandere themes, stalking, obsession, nsfw mentions

——————————————————————————————————

Yan!Doctor who practically drooled when you first walked in his office, your wrist hurts? Don’t worry honey! He’ll get you fixed up in no time! Look how reliable he is!

Yan!Doctor who refuses to let you see anyone else other than the receptionist or the occasional nurse. Just a check up? You didn’t want to bother him? What ever do you mean? None of the other doctors know you like he does.

Yan!Doctor who makes excuses for you to stay longer, suddenly you have a fever that needs urgent care! Ah ah ah gorgeous where are you going? You’re still not healthy.

Yan!Doctor who may or may not snoop through your file. XXXX avenue, hm? That’s only a couple streets from his house! It’s like you were meant to be.

Yan!Doctor who you start seeing around more often. The grocery store? He’s there buying some fruit. Going on a morning jog? He’s buying some coffee nearby, what a coincidence! Want to join him?

Yan!Doctor who is just worried for your health, which is why he slips some pills into your drink. Are you feeling light-headed love? Here, you can crash at his place for as long as you need! Let him carry you home when you pass out.

Yan!Doctor who can’t help himself when he sees you curled up in his bed. He stands next to the mattress and jerks off over your face. Fuck! You’re so beautiful, be his already! He’s got everything! Money, insurance, a nice house, he can give you the luxury life you’ve always wanted! Stay with him!

Yan!Doctor who promises to keep you safe, no matter what.

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Likes, reblogs and comments are greatly appreciated, requests are open <3

please do not copy, repost or translate any of my works on other platforms without my permission.

[werothegreat]

A man is shot in the back in broad daylight. A man most people had never even heard the name of before his killing, but was the CEO of the most profitable health insurance provider in the entire world.

The media framed this as a tragedy, an unimaginable act, a heinous crime. We should grieve for the family left behind. All lives are precious, and murder is never okay.

The police have publicized their manhunt for the assassin. They update us every hour on how much closer they're getting, which isn't close at all.

Insurance companies are taking down their executive staff webpages and beefing up security. They know that they're no longer safe, and are hiring more protection.

The assassin took out this man like a professional, quickly fixing his gun when it jammed, executing an execution perfectly, then disappearing, leaving behind only a backpack full of Monopoly money, a few smolders on security cams, and bullet casings with the words "Deny", "Defend", and "Depose" written on them, echoing the "Deny, Delay, Defend" tactics taken by health insurance companies to refuse coverage.

Every single social media post I have seen, regardless of platform, has been supportive of the assassin. There has been no sympathy for the CEO, or his wife or children. We are not buying into the narrative the police and the media are trying to peddle. We are the ones who have had to deal with the bullshit health insurance and other corporations have been foisting on us for decades. And we've had enough.

We will not grieve. If anything, we encourage, and wait for the next CEO to be capped. We're not the ones in danger. The rich are the ones who have fought so hard for Americans to have easy access to guns and nothing else. For decades we have pleaded for gun control, to save children from getting mowed down by machine guns in their schools. For decades we have pleaded for a more humane healthcare system where people do not go into medical debt just in order to keep living.

The answer from the rich and powerful has been that life is not and never will be fair, and to be happy with the dogshit served to us.

Our answer now is equally and reflectively callous. We will not mourn a single dead CEO until we have some means of addressing our grievances that doesn't come from the muzzle of a gun.

The rich of today had better read up on the French Revolution and make some changes very quickly, or history will repeat itself.

[robertreich]

Should Billionaires Exist? 

Do billionaires have a right to exist?

America has driven more than 650 species to extinction. And it should do the same to billionaires.

Why? Because there are only five ways to become one, and they’re all bad for free-market capitalism:

1. Exploit a Monopoly.

Jamie Dimon is worth $2 billion today… but not because he succeeded in the “free market.” In 2008, the government bailed out his bank JPMorgan and other giant Wall Street banks, keeping them off the endangered species list.

This government “insurance policy” scored these struggling Mom-and-Pop megabanks an estimated $34 billion a year.

But doesn’t entrepreneur Jeff Bezos deserve his billions for building Amazon?

No, because he also built a monopoly that’s been charged by the federal government and 17 states for inflating prices, overcharging sellers, and stifling competition like a predator in the wild.

With better anti-monopoly enforcement, Bezos would be worth closer to his fair-market value.

2. Exploit Inside Information

Steven A. Cohen, worth roughly $20 billion headed a hedge fund charged by the Justice Department with insider trading “on a scale without known precedent.” Another innovator!

Taming insider trading would level the investing field between the C Suite and Main Street.

3.  Buy Off Politicians

That’s a great way to become a billionaire! The Koch family and Koch Industries saved roughly $1 billion a year from the Trump tax cut they and allies spent $20 million lobbying for. What a return on investment!

If we had tougher lobbying laws, political corruption would go extinct.

4. Defraud Investors

Adam Neumann conned investors out of hundreds of millions for WeWork, an office-sharing startup. WeWork didn’t make a nickel of profit, but Neumann still funded his extravagant lifestyle, including a $60 million private jet. Not exactly “sharing.”

Elizabeth Holmes was convicted of fraud for her blood-testing company, Theranos. So was Sam Bankman-Fried of crypto-exchange FTX. Remember a supposed billionaire named Donald Trump? He was also found to have committed fraud.

Presumably, if we had tougher anti-fraud laws, more would be caught and there’d be fewer billionaires to preserve.

5. Get Money From Rich Relatives

About 60 percent of all wealth in America today is inherited.

That’s because loopholes in U.S. tax law —lobbied for by the wealthy — allow rich families to avoid taxes on assets they inherit. And the estate tax has been so defanged that fewer than 0.2 percent of estates have paid it in recent years.

Tax reform would disrupt the circle of life for the rich, stopping them from automatically becoming billionaires at their birth, or someone else’s death.

Now, don’t get me wrong. I’m not arguing against big rewards for entrepreneurs and inventors. But do today’s entrepreneurs really need billions of dollars? Couldn’t they survive on a measly hundred million?

Because they’re now using those billions to erode American institutions. They spent fortunes bringing Supreme Court justices with them into the wild.They treated news organizations and social media platforms like prey, and they turned their relationships with politicians into patronage troughs.

This has created an America where fewer than ever can become millionaires (or even thousandaires) through hard work and actual innovation.

If capitalism were working properly, billionaires would have gone the way of the dodo.

[dreamdolldeveloper]

back to basics

mostly free resources to help you learn the basics that i've gathered for myself so far that i think are cool

everyday

gcfglobal - about the internet, online safety and for kids, life skills like applying for jobs, career planning, resume writing, online learning, today's skills like 3d printing, photoshop, smartphone basics, microsoft office apps, and mac friendly. they have core skills like reading, math, science, language learning - some topics are sparse so hopefully they keep adding things on. great site to start off on learning.

handsonbanking - learn about finances. after highschool, credit, banking, investing, money management, debt, goal setting, loans, cars, small businesses, military, insurance, retirement, etc.

bbc - learning for all ages. primary to adult. arts, history, science, math, reading, english, french, all the way to functional and vocational skills for adults as well, great site!

education.ket - workplace essential skills

general education

mathsgenie - GCSE revision, grade 1-9, math stages 1-14, provides more resources! completely free.

khan academy - pre-k to college, life skills, test prep (sats, mcat, etc), get ready courses, AP, partner courses like NASA, etc. so much more!

aleks - k-12 + higher ed learning program. adapts to each student.

biology4kids - learn biology

cosmos4kids - learn astronomy basics

chem4kids - learn chemistry

physics4kids - learn physics

numbernut - math basics (arithmetic, fractions and decimals, roots and exponents, prealgebra)

education.ket - primary to adult. includes highschool equivalent test prep, the core skills. they have a free resource library and they sell workbooks. they have one on work-life essentials (high demand career sectors + soft skills)

youtube channels

the organic chemistry tutor

khanacademy

crashcourse

tabletclassmath

2minmaths

kevinmathscience

professor leonard

greenemath

mathantics

3blue1brown

literacy

readworks - reading comprehension, build background knowledge, grow your vocabulary, strengthen strategic reading

chompchomp - grammar knowledge

tutors

not the "free resource" part of this post but sometimes we forget we can be tutored especially as an adult. just because we don't have formal education does not mean we can't get 1:1 teaching! please do you research and don't be afraid to try out different tutors. and remember you're not dumb just because someone's teaching style doesn't match up with your learning style.

cambridge coaching - medical school, mba and business, law school, graduate, college academics, high school and college process, middle school and high school admissions

preply - language tutoring. affordable!

revolutionprep - math, science, english, history, computer science (ap, html/css, java, python c++), foreign languages (german, korean, french, italian, spanish, japanese, chinese, esl)

varsity tutors - k-5 subjects, ap, test prep, languages, math, science & engineering, coding, homeschool, college essays, essay editing, etc

chegg - biology, business, engineering/computer science, math, homework help, textbook support, rent and buying books

learn to be - k-12 subjects

for languages

lingq - app. created by steve kaufmann, a polygot (fluent in 20+ languages) an amazing language learning platform that compiles content in 20+ languages like podcasts, graded readers, story times, vlogs, radio, books, the feature to put in your own books! immersion, comprehensible input.

flexiclasses - option to study abroad, resources to learn, mandarin, cantonese, japanese, vietnamese, korean, italian, russian, taiwanese hokkien, shanghainese.

fluentin3months - bootcamp, consultation available, languages: spanish, french, korean, german, chinese, japanese, russian, italian.

fluenz - spanish immersion both online and in person - intensive.

pimsleur - not tutoring** online learning using apps and their method. up to 50 languages, free trial available.

incase time has passed since i last posted this, check on the original post (not the reblogs) to see if i updated link or added new resources. i think i want to add laguage resources at some point too but until then, happy learning!!

[paper-mario-wiki]

hi, i'm not the person who asked you about the life update, but could you elaborate on how being a creator means to live in a world of ideas instead of the real world? i'm just really curious about your reasons for quitting, specially because i want to create things in the future (not necessarily streaming, but anyways), hope you have a good day!

i'll be talking mostly about streaming for the sake of this answer, but this is similarly applicable across a wide range of platforms:

the job of the streamer is, effectively, to be the life of the party every single day. your goal is to be the person that has something interesting to talk about, and is quick with a joke, and has nuanced understandings of certain things, without actually obtaining any sort of "expertise" in anything lest you alienate viewers. short of having a stated goal for a stream, the only goal of the streamer is to let people relax with a voice they enjoy, saying things they like hearing. you can become very strong in different aspects of streaming, like in the production, or as someone who focuses more on a skill they've honed like art or speedrunning, but the demographic of streamers which pulls, by far, the most significant viewership, is personality based streamers.

this becomes more complicated when, for example, you are very interactive with chat, or you stream with multiple people at once. now, to maintain this charismatic sway you have (the one that got you the job in the first place), you must be able to adapt to and bounce off of other people, as you are now no longer performing alone. naturally, there's a need to not only manage your own flow of consciousness, but also to be at least partially in sync with someone else's.

beyond these complications, you must also consider drawing in new viewership. when i was a streamer, i was quite successful, relatively speaking. pulling 300 viewers consistently is something a very slim amount of streamers can actually do, and even then i was still making under 50k a year, which is not bad, but also not good. in paying for my apartment, my insurance, my travel fare, and all the other stuff that living independently draws money out of you with, i was more often in the red than i was in the green. hence, the need to draw in new viewers, which cannot be done without something eye-catching.

think about this: there are, at any given time, TENS OF THOUSANDS of streamers live in your native language on twitch, and they are all FREE TO WATCH. the attention market is sparse because the streamer market is oversaturated. and considering all of THEM want new viewers too, everyone is constantly refining and improving their craft, which requires everyone to move creatively in tandem with each other lest they get left behind.

if you are a streamer making ass-dollars and ass-cents, it becomes easy to begin resenting people like jerma, solely because everything he touches seems to turn to gold. i personally found it easy to feel very disappointed in myself when peoples projects that seemed so simple would take off. it was a constant "why didn't i think of that!" situation, at least for me. and when you don't have the energy to keep that up, or the social stamina necessary to figure that all out while also being upbeat and happy in front of people near daily, it can become very draining.

what i mean specifically when i say the "world of ideas", is like. there would be times where i could schedule out my failures weeks in advance. i'd be so in my own head about the process, i could see the exact path i could see myself taking that would lead me directly to ruin. how playing games i actually enjoyed would steadily drop viewership, or how focusing on my studies would make people forget about me. and of course this is augmented by my anxiety, i know this is absolutely not the case for every streamer, but that overwhelming feeling of needing to find a new game to play, or a new gimmick to use, or a new ploy to get money that doesn't make you feel guilty even though your source of income is mostly queer and mostly poor young adults and your rent is coming up and you're $200 short but you also just had a fundraiser last month about a DIFFERENT emergency but you cant make it a bummer or else people wont want to tune in so you have to make it something fun like "you laugh you lose!" or "$1 art request streams!" while feeling nothing but anxiety while youre trying to sound like youre enjoying yourself even when youre asking 250 people to donate every 30 minutes or so and nobody seems to want to and chat is moving slowly and. and and.

well, it starts to eat away at you.

[justinspoliticalcorner]

Qasim Rashid at Let's Address This:

On May 20, 1962, JFK delivered an impassioned speech at Madison Square Garden in favor of universal healthcare. Then, decades later in 2006 nearly 7 in 10 Americans believed the government should fund healthcare. And now, a new Gallop Poll reports that 62% of Americans believe in guaranteed universal healthcare. And despite this decades of support, not a single Presidential candidate this cycle had the courage to run on this wildly popular platform. Over the last week I’ve written in detail about America’s Violent Health System, and likewise, shared a deeply personal story about When Insurance Rejects Life Saving Care about our daughter Hannah Noor.

In response, I’ve received overwhelming empathy and compassion from conservatives and liberals alike, Republicans and Democrats, from those who self-identify as “Ultra MAGA” to those who label themselves as “Bernie Social Democrats.” Americans get it. Healthcare needs to be a human right. Sadly, politicians, Republicans and too many Democrats alike, don’t get it. They worship at the altar of corporate donations. The health insurance industry annually spends a harrowing $700,000,000 on lobbying politicians to do their bidding. And that doesn’t even include what they spend on SuperPACs to block out candidates who dare run on a platform of guaranteed universal healthcare. Those same healthcare corporations then engage in a mass media blitz of misinformation and disinformation to convince people to vote against their own self-interests. In reality, guaranteed universal healthcare is a proven model adopted by every single developed nation on Earth (and many lower income developing nations). And while I do not have $700,000,000 to counter the lobbying propaganda health insurance corporations infuse into our politics, I do have access to the facts that health insurance corporations hope the American people don’t realize.

Myth 1: We Can’t Afford Universal Healthcare

Fact: The opposite is true. Dozens of studies prove that universal healthcare will save Americans billions of dollars annually. In fact, 22 studies reviewed all concluded that universal healthcare would save approximately $450 billion a year. And this is a universal conclusion. For example, “Even the Mercatus Center, a right-wing think tank, recently found about $2 trillion in net savings over 10 years from a single-payer Medicare for All system. Most importantly, everyone in America would have high-quality health care coverage.” Moreover, we cannot forget that right now approximately 73 million Americans are on Medicaid, 68 million Americans are on Medicare, and 10 million Americans are on Tricare. That means that of our nation’s 335 million people, approximately 151 million are already on a universal (or near universal) healthcare model. And guess what? These programs each cost significantly less than the exploitative for-profit healthcare model. The overhead on these programs is 2-3%, while the overhead on for profit healthcare is 20%, plus a near unlimited mark up on prescription drugs. In this we have a side by side comparison of access to the exact same doctors and medications, except one has a nominal mark up and the other has a 10X markup. It doesn’t take an MBA in finance to understand that the same product or service without the massive markup is the smarter path to take. The only thing we cannot afford is for the current exploitative for profit model to continue.

Myth 2: If Costs Go Down, So Does Quality of Care

Fact: This is simply not true. It is important to understand why costs decrease, because contrary to the myth, every single one of the above studies found that quality of care would not decrease with universal healthcare. 

[...]

Myth 3: Universal Healthcare Puts Millions Out of Work

Fact: What would happen to the roughly 1.8 million Americans who work in medical billing? This is a great question and has a robust answer that I break down in three parts. First, remember that about 40% of these jobs are already in the Medicaid and Medicare and Tricare industries—which is essentially universal healthcare for a portion of society. Therefore, we’re talk about roughly 1 million jobs, which admittedly is still a large number. What to do with those? Well, hence the second point. Expanding Medicare to accommodate another 175 million people will necessarily require medical billing professionals and administrators to do those jobs. Therefore, the question is not about eliminating jobs, but about transitioning workers from the for profit exploitative system, to a non for profit system that prioritizes access to healthcare. Likewise, remember that ending the for profit system saves us at least $450 billion annually. These resources give us options. For example, these are excellent resources that could be spent on a lengthy 2-year salary severance to those in medical billing who do lose their jobs, plus adequate funding and training to allow them to become proficient in a new job. Indeed, at $70 billion annually, four-year-public college costs a fraction of what would be saved by shifting from an exploitative for profit model, to a universal healthcare model. We cannot afford not to make the shift.

[...]

Myth 5: Universal Healthcare Causes Long Wait Lines

Fact: For primary physician appointments, Americans already wait longer under our exploitative for profit model than do people in nations with universal healthcare. Frankly, I marvel at this allegation as I reflect over the fact that it took us more than two years to get our daughter the critical life saving medication she needed, only because our exploitative for profit health insurance company refused to accept our doctor’s medical instruction. In reality, wait times in the United States are shorter only for elective surgery, but for primary care or for critical care, the United States is the worst out of any nation with universal healthcare.

Qasim Rashid wrote a solid piece debunking anti-universal healthcare lies propped up by for-profit health shills.

[isaplife]

Trusted Insurance Providers in Dubai and Abu Dhabi

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[theartisticcrow]

THE EVE OF REVOLUTION: A "Short" Analysis of the UHC shooter situation and what this could mean for the future.

[Originally written on 13 December, 2024 by yours truly]

I find myself quite intrigued by the events that have occurred within the past couple of weeks. Brian Thompson, former CEO of UnitedHealthcare, was shot dead in New York city and the working class hasn’t been this happy since the sinking of the Titan submersible [EDIT: I was told that apparently this exact line was used in a negative way by some politician and I want to say that I wrote this line on my own as a joke and I had no idea that this happened. I am a part of the working class. I am a part of the people who are happy when bad people die. I wrote this line jokingly trying to be funny and I did not intend for it to sound like something out of a news headline].

I’ll give a brief explanation of what happened in case you don’t already know: Brian Thompson was the CEO of UnitedHealthcare—as was previously mentioned—an American-owned private company meant to provide health insurance to American citizens who found themselves in need of it. However, UnitedHealthcare has a long and excruciating history of denying several claims for insurance without practical reason despite the majority of claims coming from people who do need the insurance money to cover the costs of healthcare related services. Millions of citizens have suffered and died as a result of the company's greed and lack of regard for the good of the people. UnitedHealthcare is neither the only health insurance company to operate in such ways. It is simply one of many American companies corrupted with power and all of them are aware of how their actions affect the public, but they do not care because the money that lines their pockets is built purely off the anguish of innocent people. 

I have reason to believe that this is the start of something greater, but there’s a lot here that I need to explain before I get to that point, so I hope you like reading because this is going to be a bit long.

On 4 December, Brian Thompson was shot and killed on the pavement outside the New York Hilton Midtown building along West 54th Street at roughly 6:45 a.m. (EST). The suspect was identified on CCTV footage to be a young man in a hoodie which concealed most of his face aside from a joyful smile as he walked away. He then escaped by bicycle and evaded the police for three days before allegedly being arrested in a McDonald’s with several pieces of incriminating evidence in Altoona, Pennsylvania. During the time that police went searching for the shooter, they found a bag in Central Park believed to belong to the suspect that was filled with monopoly money (the fake currency from the capitalism board game) along with three bullet casings at the sight of the shooting that had written on them the words: Deny, Defend, Despose. Seeing as the police had no leads, they began requesting the help of the public, but were met with an interesting response that went something along the lines of ‘claim denied’. 

All across the world, the UHC shooter was quickly regarded as a hero. People began celebrating the death of Brian Thompson and began laughing in the faces of the government, police and news outlets alike. The media attempted to pose the assassination as a shocking and unexpected tragedy and the vast majority of the population could do all but take them seriously. The news spread like a wildfire across all internet platforms. Fan art began being posted online, a UHC shooter look-alike contest was held and every news article was filled with people in the comments merely laughing. Quite soon after the assassination, it was discovered that someone left a balloon at the sight of the shooting that depicted a graphic of a star with a smiley face and written in pink text, “CEO DOWN”. People began calling him The Claims Adjuster. He became viewed as the real life version of Robin Hood. People would turn on the news each morning to make sure he hadn’t been caught yet, expressing that they actually felt safer knowing that the shooter was still at large.

On 9 December, Luigi Mangione was arrested by local police in Pennsylvania and accused of killing Brian Thompson after an employee of the fast food joint he was sat in reported to police his location. However, there is no true confirmation that he is the real UHC shooter. He was arrested in a McDonald’s supposedly with several pieces of incriminating evidence including a gun and a three page explanation of his motives. The day after his arrest Luigi Mangione immediately accused the police of having planted the evidence. And despite police having offered reward money to anyone that gave them a reliable tip, the McDonald’s employee received not even a penny. The conditions of his arrest immediately presented themself as extremely suspicious. You’re telling me that the guy who carefully planned out and succeeded in the assassination of a corrupt health insurance CEO as well as escaping on a bicycle and evading authorities for several days was caught multiple days later in a McDonald’s with a gun and three pages explaining how and why he committed the crime? The chances of this being true are quite unlikely, especially considering the American police department’s notorious incompetency and a long history of corruption and lies. (All cops are bastards.) A far more realistic situation that would make more sense in the UHC shooter timeline is one in which the police either decided to or were given the order to arrest an innocent man that matched what was known of the shooter’s profile as closely as possible, planting fake evidence at the scene of the arrest and doing everything within their power to deny this man a fair defense in an attempt to shut down whatever hope and optimism has sprung up among the public, considering that if enough people realise how many other individuals feel the same of this situation and they possess the same spite and anger towards those in power, it could eventually lead to revolutionary tendencies. 

Along with this, there have already been several efforts made by the government to silence the voices of the opposition, in particular those who have openly threatened other health insurance companies and/or have worked to expose the corruption of some of those said companies. Such is the case with a woman in Florida, Brianna Boston who ended a phone call with her insurance company Blue Cross Blue Shield—who had just denied her medical claim—by saying: “Delay, deny, despose. You people are next.” She was then arrested despite having no weapons, nor a criminal record of any kind and is being charged with a crime she did not truly commit.

A few news articles recently appeared describing Luigi Mangione as having an outburst outside of the court, however upon reviewing the footage it becomes clear that this is not what happened, rather the outburst came more from the police officer with a hand around Mangione’s neck and another officer that slammed Mangione into a wall after he had attempted to communicate “It’s completely unjust and an insult to the intelligence of the American people and their lived experience”. The government is already enforcing censorship upon the internet and citizens where they can, and the media is making every effort to sway the opinion of the American people by posing the assassination as something to be scared of. This is called fear mongering and it is quite prevalent in American politics (as well as Nazi Germany).

But regardless of every attempt the government and media makes to take control of the situation, they cannot control the sudden shift in American politics that has been prompted by the assassination of Brian Thompson. For the longest time—ever since the end of George Washington’s presidency, really—the politics in the United States have always been made out to be a conflict of the Left versus the Right. Democrats versus Conservatives. However, as of the past couple weeks it would seem as though the true conflict in American politics has been realised by more and more people. It has nothing to do with the different political groups that exist partially to keep the country divided and weak. The true enemy of the people is the privileged and wealthy elites. It is all the lower classes—regardless of their beliefs, religion or who they are as a person—versus the wealthy politicians, billionaires and corrupt CEOs that have come to believe the citizens are there to serve them rather than the other way ‘round as it truly should be. The people of America are slowly becoming more and more united by a similar motivation: Liberty, equality, fraternity. For far too long have these wealthy company executives and corrupt politicians sat upon a throne of blood and lies bought with the money stolen from innocent people, gorging themselves upon a feast of human suffering and wine made from the tears of children whose parents were killed in a bombing run funded by the US government for no other reason than profit and power. But little do these people know that terror does not reign. That term in of itself was also a lie, and they were so caught up in their own lies that they forgot they were just as frail and weak as every other human being that they slaughtered to get their way. To put it simply: Times are changing and so is the people’s tolerance. 

Of course, not everyone agrees. There are some who I have seen say that the death of Brian Thompson should not be celebrated. That to do so should be considered sick and twisted behaviour, but what the people saying this either do not realise or are choosing to fully disregard is the fact that Brian Thompson condemned thousands of people to death and made his entire fortune off of doing so. Some argue that now his children are without a father and that is a reason not to support it, but think of how many children have ended up without fathers, or mothers because he made the deliberate and knowing choice to deny them the insurance that could have saved their life? What about friends, family, parents who have lost their own children because of things that insurance refused to cover, deeming it unnecessary despite doctors making clear that nothing else is more important than the very thing that insurance is denying? Brian Thompson’s family will be fine. They live in a house built of blood and bone. Few people can afford even so much as a broom closet.

The media has referred to Brian Thompson’s assassination as ‘brutal’, ‘shocking’, and an act of ‘senseless violence’. They speak as though everyone could not see it coming, because they do not bother to acknowledge the inherent violence that the entire medical, insurance, and governing system is built upon. They spread propaganda and provide the richest country in the world with a major lack of proper education in an effort to keep the people from rising against them, however this fear and every attempt to prevent it from happening will be the very thing that has wrought it in the end. This assassination was not unprovoked, nor was it an overreaction. It was long overdue and truly a wonder that it didn’t happen sooner. If this were somewhere like France, people would be outraged. They would be setting fires in the streets and threatening to shit in the river. The reason this doesn’t happen in America is due to the country’s history.

America is rather young compared to other countries in say Europe, Asia or Africa. They fought a revolutionary war, but after that, the newly formed United States focused on taking over the rest of the land now known as modern day America. The early government was ruled by slave owners and racists. Their education system is underfunded, thus the people do not learn a good enough history. The country is built upon violence, war, nationalism, hatred and a people that have come to treat their political figures like gods. That is not to say other countries are not full of flaws, but I’m rather choosing to focus on the history of the United States and what led to the country’s current predicament and I’ll be using that historical knowledge to explain the true significance of the UHC shooter because it’s the start of something big and I’ve been saying it for years. 

American politics are inherently fascist. That part is obvious, but why? There are several factors throughout American history that come into play here, but I believe that a lot of it can be traced back to the American Revolutionary War and the creation of the country itself. Revolutions are prompted by many of the same and similar factors all throughout history. This can be observed in the American Revolution, French Revolution, Russian Revolution, Haitian Revolution, etcetera… However the American Revolution can be said to differ in a fair few ways. In particular, the American Revolution was prompted by a desire for separation from England and the issues it was causing for the colonies as well as the freedom to do what they wanted with the land across the sea, including expanding their territory West into lands that were already occupied by the native people. Keep in mind, this is one of several factors, but it is what can objectively be referred to as one of the major priorities/motivations in what led them to declare war. The Americans also throughout this part of history and all the way up to the present day saw the native people as inferior. This was a common theme within its politics and nationalistic ideologies that the country maintains today. The vast majority of the major revolutionary figures were slave owners. Come the time of the revolution, they made no efforts to bring a proper end to slavery. Many of them believed it wasn’t necessary. They started to form a new government and formed new laws. However, many parts of the American justice system possessed several flaws and several contradictions. Political corruption became prevalent fairly quickly. (Although that is not to say that any government is without corruption.) 

There is also the thing I mentioned earlier of how the United States has a strange habit of treating politicians like gods. Praising and worshipping at their feet like it’s a cult. Children must stand in their classrooms and pledge their life to a country that betrays them time and time again. This is known as America’s weird obsession with nationalism (a concept basically created by Napoleon). But what does the country owe them? What has the country ever done for them? America is the war country. There is a specific reason that it is often referred to as the American Revolutionary War, because the battle they fought is different from other revolutions in history. It was not the same kind of uprising as the French Revolution for example, which was the working class people fighting against the monarchy and taking over the government. The American Revolution functioned more like two countries fighting against each other rather than an uprising and take over of the government within one country. 

America often likes to proclaim itself as the ‘freest country in the world’, but I always have to call into question what that statement is actually referring to. Among the things the Americans fought for in their revolution is the freedom of expression, but the government is constantly fighting to strip away the rights of as many people as they can and turn the country into an authoritarian dictatorship. So it’s rather hypocritical, isn’t it? I ask once again: Freedom for whom, and to do what exactly? Freedom for white men to do what they like with whomever they please? Freedom for the police and military to kill anybody that they disagree with or don’t like for whatever reason? What about the freedom of having affordable housing, food, medical care and education? The monopoly game of a country run by clowns (derogatory) can’t even do that much. Politicians are supposed to serve and protect the people, not the other way around. Yet so often do I see people forget or completely disregard that fact. The education system is underfunded for a reason. 1984 by George Orwell is banned for a reason. The system is not flawed. It is working exactly as it was designed, keeping people divided and weak whilst also presenting them with the illusion of freedom as they set up every other citizen for failure. But that tactic is exactly what will bring its downfall. You can already see it happening. You can smell it in the air: the calm before the storm. It’s really not that hard to see so long as you know where to look.

The American people, in particular the political left, seem hesitant to get up and physically fight back. There is a hesitance there that results in them not defending their rights as ruthlessly as they should. The origins in this hesitance do lie partly in the American Revolutionary War and the particular major revolutionary figures in said war. The way the country was founded and slowly sculpted into what it is today. They wanted freedom, but for different reasons. They had different goals and motivations. Of course the country born from a war is going to do nothing but wage war. It’s just a matter of why so many of the people would rather sit around and wait for something to happen rather than doing something themselves? Why is it not the same in somewhere like France where the people are more than willing to break out into a riot at the slightest change to a law? While I already made a comparison to France as I explained the difference between a revolutionary war and a proper revolution, I’m going to talk about the French Revolution again and in a little more detail, because I believe there’s no better way to explain the problem with American politics and where said politics are heading than by talking about the most impactful revolution in history.

France is a country decidedly owned by the people with a government meant to serve the people whether the politicians like it or not. The French Revolution is arguably the most iconic revolution in history with an impact that has stretched across multiple centuries, and it’s my personal favourite historical event to study. Call me biased all you want, but that thirty page essay changed me in ways I still have yet to figure out and I might as well use this knowledge however I can. Of course, I can't start talking about my favourite historical event without starting with a disclaimer: Maximilien Robespierre was not a bloodthirsty dictator. That is a very common misconception made popular by Thermidorian and British propaganda, but it is not true. Any historian of the French Revolution worth their salt should be able to confirm this. Regardless, when most people think of the French Revolution, they think only of the Terror and a historically inaccurate depiction of Robespierre, but it is so much more than that. People who think only from this perspective are truly missing out on the bigger picture (as well as the autism). This revolution was fought by the citizens of France as they demolished an entire royal monarchy and fought for years to keep the country from collapsing under the intense pressure of having all of Europe declare war on them. 

I occasionally see people saying that the French Revolution failed, but if you’re the type of person to prioritise thorough research, you would know that this is not true. The French Revolution most certainly did not fail. It set the groundwork for the freedom and equality of the French people. During the Revolution, they got rid of slavery (until Napoleon came along), they legalised homosexuality, cut off the heads of several rich people and so much more. They established the National Assembly and the National Convention, and eventually the CSP (Committee of Public Safety, and that’s how I get confused whenever someone brings up Child Protection Services by its acronym). The Revolution succeeded in so many ways with its major failing being for the most part putting so many responsibilities on the shoulders of the individual members of the CSP and expecting them to be able to handle all of that. The French Revolution had a massive impact upon the world, changing it in so many different ways and it represents so many things that I could genuinely spend fifty pages talking about its historical significance and how it relates to the modern world, but I will keep things brief (for once) with a quick summary so that it’s at least somewhat comprehensible to those who doesn’t have my level of autism. 

The thing that sets the American Revolution apart from the French Revolution and explains in many ways the difference of politics lies in the ideas that drove each revolution. The Americans wanted ‘freedom’, sure, but the French wanted much more than just that. They strived for equality and a country that was not controlled purely by the monarchy and the church. By abolishing their monarchy—something that not even the Americans could do—they achieved a lot both in the short-term and long-term. The Revolution did not fail, even despite Napoleon, the Thermidorian Reaction and establishment of a constitutional monarchy just a few decades later. They killed their King, someone that held a position of power believed to be bestowed upon them by God, and they created a Republic. Such things were unheard of until now. This led to massive changes in society with the rise of the middle class. It redefined the concepts of governance, citizenship and human rights. The distribution of power was forever changed and the realisation that the French people could rise up against their own government, take down the monarchy and succeed is also what sparked the Haitian Revolution, as well as paving the way for the eventual elimination of several monarchies across the continent. It helped shape our modern day ideas of liberty and democratic rights and it unified the French people in a way that still affects the culture of France along with several other places. On top of that, it can also be said that the French Revolution set up the foundations for the rise of socialism and communism. The French Revolution succeeded in more ways than most people realise and it’s that fight for equality by the working class that has given France such an intense revolutionary spirit. To say that it was an overreaction to start burning stuff down when France’s government raised the retirement age by a couple of years is foolish, because that revolutionary spirit is the reason that the French have so many rights and America does not. 

And the only reason why people tell you that the French Revolution didn’t work or was a bad idea is because that then discourages other people from attempting any kind of their own revolt regardless of how corrupt and abusive the government becomes. So long as the public remains undereducated, they will be easier for the government to control.

That is also why I believe that history is the most important subject that you can learn in school. That’s also a part of why I’m saying all this. If you are able to understand the past, you can predict the future. Many of the same or similar factors are present before and during the beginning of every revolution. These factors often include, but are not limited to:

Inflation; a lack of affordable food and housing; increased violence; high levels of unemployment; social inequality; suppression of opposing voices; economic failure; increased class consciousness; underpaid workers; worker strikes; political protests; intentional election rigging; people no longer accepting the traditional powers of authority; rising popularity of radical ideologies; the collective realisation that several other individuals share the same opinion on a certain situation; increased risk and fear of death among the citizens; high taxes; a shift in politics that results in the people becoming less divided; increased focus on the real conflict being the privileged rich elites versus everyone else; politicians not keeping the promises of things they said they would do; decreased trust and approval of the government; stricter and more dictatorial laws; unlawful arrest of innocent citizens because of something they merely said (the government is becoming paranoid); lower classes becoming more and more fed up with the old regime; government debt; army/military joins the side of the people rather than the government; groups of people rebelling against the law; an ineffective government with politicians focusing on the wrong issues, ignoring the voices of the people and patting themselves on the back for nothing; politicians and government members are fighting amongst themselves and getting nothing done; political deadlock; more people speaking out against the government; the government is losing control over the people; the government is desperately trying to gain back control through the use of propaganda, fear mongering and taking advantage of media outlets; a general increased struggle to survive; mass frustration; riots and local uprisings; conflict between the old and new ways of governance; visible difference in wealth distribution; unifying motivations; and finally a prolonged period of economic and social development followed by a period of sharp reversal in which people fear that progress made is about to be stripped away and lost.

Does any of this sound familiar to you? Yeah, only after writing all this down in my draft did I realise that nearly every single cause of revolution can be applied as a true statement of the United States of America. Huh, what a funny and extremely specific coincidence that is. So what exactly am I suggesting here? Well, to essentially summarize everything that I have written thus far: We might just be on the verge of Revolution. I learned a while ago that once a country hits rock bottom, that’s when a revolution begins and based on the presidential election results, America is about to dive quite deep into the pits of Hell. But don’t worry, it’s not all doom and gloom. That’s why I’ve written this. So long as the individuals of the lower classes are able to stand united and fight for liberty, equality and dare I say fraternity, a greater change shall be able to be made. The choice of standing around and simply hoping that things will improve isn’t much of a choice anymore. There is no better time to take action than right now while we still have a fighting chance. This is not something to fear, but rather to look forward to and encourage. The American citizens combined together can greatly outweigh the government. Those wealthy politicians are not as powerful as they think they are. Their power lies in ensuring that the people remain divided and the recent events with the UHC shooter prove that there is indeed a chance to diminish that power. They are not immortal. Even the greatest empire eventually burned away. 

And while we can’t all be famous revolutionaries, that doesn’t mean that each person can’t help to bring the change we’ve needed for a long time. It starts small. It starts with taking care of our own communities and advocating for other people every chance we get. So long as we as a people remain united, there is little change we cannot bring. The Revolution has only just begun…