One of the most aggravating aspects of rising insurance costs is seeing the industry up close from inside. It's not a job to these people. It's a lifestyle. Constant flying across the country or even the ocean (London) for a single lunch. Just lunch with a client. They can't do this stuff on Skype or whatever because that's not the industry behavior. So untold fortunes are burnt on airline tickets, tips, hotels, transport, expensive dining, golf outings, booze, etc. and the costs are passed on to us, the retail lever consumer, so the CEO of Company1 can have a Skybox at the Lakers games and the broker from Company2 can sit front row at Wimbledon and be surrounded by colleagues that rely on his thumbs up to place their policies and financial instruments. But everyone involved essentially dine out at fancy places for a living. That's what they do for work. Technically they work insane hours, but half of it is getting drunk and well fed and making small talk with their peers from other companies while doing a project and paying for none of it. We pay for it. Every protected industry (services you cannot live without) is like this. Rife with waste, fraud and abuse except it isn't any of that: it's fully legal write-offs taken to their extreme limit. None of it is necessary. None of it. Every rich guy I meet with zero personality, style, or anything interesting to say got rich in insurance. Such a scam.