The Journal

Perspectives on presence, legacy, and the words that outlive us.

The $50 Billion Problem Insurance Companies Won't Talk About (And the Emotional Solution They're Missing)

Every year, the life insurance industry loses more than $50 billion to a problem most carriers treat as inevitable: policy lapse.

Every life insurance company in the world answers the same question: if something happens to you, will your family be financially protected?

My father died of a heart attack on an ordinary afternoon.

The category everyone needed. The words no one had.