Hi Friends,

As a lot of my insurance policies are coming up for renewal, I started to ask myself whether the entire concept of "insurance" a trance, which may actually be inviting the chance for negativity to manifest in my life. For example,

* Health insurance: I buy "health insurance" because I want be sure that if I become very ill or have a debilitating accident, the medical costs will be covered. But does that mean that my fundamental expectation is that I will become ill or have an accident, since I'm covering myself "just in case."

* Life insurance: I buy "life insurance" because I want to be sure that if I die, my loved ones will be taken care of. But does that introduce the expectation I might meet an untimely death?

* Auto insurance: Same idea ... does that mean I'm expecting to be involved in a car accident? (Well, on this point, many states in the U.S. require by law that all drivers be insured. But you always have the option of buying more or less insurance. If I buy more, does that mean I'm acting out of the fear of getting into a bad accident?)

* Homeowner's insurance: Will my house be burglarized/burn down/get blown away by a hurricaine?

* Long-term care insurance: Will I become instituionalized in my senior years?

* A zillion other insurance policies which underwriters have invented for every possible risk: Malpractice insurance, credit-card insurance, renter's insurance, flood insurance, travel insurance, etc., etc., ad infinitum ...

* And all the more trivial "protection policies" which exist, for instance, when I buy anything electronic from a gadget store, the salesperson immediately tries to get me to buy a 3 year insurance policy on the device, so that if anything happens, I can get it fixed/replaced free.

Seems like we've been conditioned by society into the trance that financial responsibility involves being INSURED up to the hilt, and that indeed, if we don't insure ourselves, we're being irresponsible and even unloving to our families. But doesn't the very ACT of buying insurance betray the FEAR of the POSSIBILITY of something negative happening, and a fundamental distrust in the Universe to provide, thereby actually INVITING something "bad" to happen. (Of course, I'm putting aside all arguments about whether an event can be properly labled as "good" or "bad" in the first place, since if that defintion is actually a point of argument, then this whole insurance issue is meaningless anyway, since nothing is "bad" and thus I don't need insurance for anything anyway.)

So, to truly evolve into something "beyond human," do I need to evolve beyond my human fears, which drives me to insure myself in the traditional manner? If I do insure, do I betray my lack of trust in the Universe to provide when it deems that it is time for something "bad" to happen in my life? How does one live congruently with higher values, yet still act in a socially/financially responsible manner?

Anyway, I value the perspectives and opinions of those in this forum and look forward to considering your POV.

Thanks.

HF