The old adage goes: “those who don’t use insurance, pay too much. And those who use insurance, pay too little”. It becomes a math problem for insurance compani

The old adage goes: “those who don’t use insurance, pay too much. And those who use insurance, pay too little”. It becomes a math problem for insurance companies to keep that equation positive. And since claims far exceed the premiums any single member pays, the easiest way to stay positive is to deny claims. Even if that sacrifices losing a few premiums.