Industry

The laws, the lobbying, and the structural rot.

Bad Decisions

How a 1945 Law Let Insurers Do Whatever They Want

The McCarran–Ferguson Act exempted insurance from federal oversight. It was supposed to be temporary. That was eighty-one years ago.

By The Cooper · March 12, 2026

What Now

We Solved Insurance in 1752 and Then Forgot

Benjamin Franklin's mutual insurance model worked for two centuries. Then Wall Street got involved.

By The Cooper · March 8, 2026