[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Rose Celine Investments 🌹 [@realroseceline](/creator/twitter/realroseceline) on x 7998 followers Created: 2025-06-25 17:30:25 UTC Thoughts on insurance: People ask me about $LMND, $OSCR, $UNH, etc, and sure, there will be winners in the insurance industry. But I’ve never liked insurance, so I don’t spend time on it. You can’t own everything. Here’s why: Insurance profits are delayed and uncertain. A year that looks great on paper might blow up years later when claims roll in. Risk is priced using data in a world that keeps changing, that bet gets harder every year. Reserving is guesswork. Small changes in assumptions can make earnings look better than they are, until they aren’t. Even good underwriting is hard to spot. Playing it safe can look expensive. Aggressive growth can hide bad risk. Insurance looks simple. It’s not. It’s a slow moving game of leverage, delayed feedback, and statistical hope. Simply put, the insurance industry is just too difficult and goes into the “too hard” pile. If I have an offended your investment yet with my distain for the insurance industry, just wait till you hear my thoughts on banking, another industry I dislike. J/k have a great day all! 🌹 XXXXXX engagements  **Related Topics** [insurance](/topic/insurance) [celine](/topic/celine) [$lmnd](/topic/$lmnd) [$oscr](/topic/$oscr) [$unh](/topic/$unh) [stocks healthcare](/topic/stocks-healthcare) [Post Link](https://x.com/realroseceline/status/1937926367636762798)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Rose Celine Investments 🌹 @realroseceline on x 7998 followers
Created: 2025-06-25 17:30:25 UTC
Thoughts on insurance:
People ask me about $LMND, $OSCR, $UNH, etc, and sure, there will be winners in the insurance industry. But I’ve never liked insurance, so I don’t spend time on it. You can’t own everything.
Here’s why:
Insurance profits are delayed and uncertain. A year that looks great on paper might blow up years later when claims roll in.
Risk is priced using data in a world that keeps changing, that bet gets harder every year.
Reserving is guesswork. Small changes in assumptions can make earnings look better than they are, until they aren’t.
Even good underwriting is hard to spot. Playing it safe can look expensive. Aggressive growth can hide bad risk.
Insurance looks simple. It’s not. It’s a slow moving game of leverage, delayed feedback, and statistical hope. Simply put, the insurance industry is just too difficult and goes into the “too hard” pile.
If I have an offended your investment yet with my distain for the insurance industry, just wait till you hear my thoughts on banking, another industry I dislike.
J/k have a great day all!
🌹
XXXXXX engagements
Related Topics insurance celine $lmnd $oscr $unh stocks healthcare