The way this insurance model operates is that I create a risk pool of available money and distribute it to needy clients that need immediate reimbursements with accumulated interest.

Your money will accrue additional interest and will be invested in a stock portforlio of your choosing, as I provide recommendations to enhance your rate of return. As your rate of return and interest soars dramatically from returns in your stock portfolio, I will dispense your resources in case your insurance company faces loss from increasing costs. These costs MUST be associated with climate change and natural acts of god in order for you to earn your accrued interest and capital.

In case of death, voluntary cancellation of my services or termination of your business through any other means, I will reimburse every penny you earned along with the interest accrued. However, you will not earn the exponentially accrued capital earned from your stock portfolio.