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Climate Change: Is the insurance sector a threatened service taken for granted?

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Photo by Surface on Unsplash

BY STEVEN KASZAB

Please consider…

Insurance is a service and product we all need and is essentially required if we want to participate in society at large. Insurance is one of those products that is often taken for granted, which we sign up for, not researching the small print in each contractual glance.

We need to wake up, gather our insurance contracts and read them well, understanding what the particular insurance grantor protection is being provided, and whether these insurance plans can be denied, changed or manipulated in an unexplained manner by the issuer.

Climate change and the pandemic have raised questions about whether private coverage will be available for many of us in the future. Climate change, weather patterns, unforeseen climatic disasters have driven wealthy insurers to the financial brink of disaster. Changes are coming fast.

What have Insurance firms been forced to deal with in the last two years?

  • Massive and destructive flooding along floodplains, rivers, lakes and the rising tides of seas and oceans.
  • Twisters, hurricanes, windstorms, water fountains have caused massive damage.
  • Persistent droughts, biological contagions have wreaked havoc upon many agricultural sectors.
  • Water toxicity spreads through our drinking water supply.
  • The Western population is growing older, with greater deaths. Payouts have increased in two decades 30%, while the populations of Asia, Africa, Latin America have far more uninsured citizens.
  • Forest fires rage across Northern global nations.

Home insurance costs have increased 8-15% this year. Why? Global reinsurance firms called re-insurers have jacked up their prices to cover costs. Insurance firms go to re-insurers to transfer some of their risk associated with global mishaps. You go to an insurer, who then goes to a re-insurer to cover possible costs.

Statistics Canada said reinsurance premiums have increased between 25-100% in 2022, and while much of this was not passed onto consumers, some had to be. With the massive losses experienced in 2022-23, with: hurricanes, twisters, flooding, droughts, and unending seasonal forest fires these costs are now being passed onto consumers.

Those of us who live in area’s seemingly protected from natural disasters, will experience increases that will come to cover our insurers massive payouts. Problem is many insurers will be forced to deny insurance claims, negotiate lower payouts and ultimately refuse to insure certain consumers.

The Insurance Bureau of Canada said last year’s personal property claims averaged $7 billion annually, up from $5.8 billion. Severe weather caused $3.1 billion. Then came Fort McMurray’s wildfire disaster. The costs were spread across the nation, but now there are far too many climatic disasters, and rising premiums have begun to appear. Businesses within the hospitality and tourism sector have found insurers unwilling to insure them. No insurance, and businesses cannot open, or operate.

The insurance sector will reimagine the various regions of our nations creating danger zones, places where the probability of costs increasing/profits declining for the insurer will happen. If you live in such a danger zone your insurance will increase and become difficult to acquire:

  • Those who live in flood plains, low level shorelines and along low shoreline rivers, lakes or ocean shores.
  • Traditional areas where droughts, floods, hurricanes encroach. (Southeastern USA, California, Arizona).
  • Northern Regions that are forested, are isolated from firefighting services. (Northern America-EU-Russia).
  • Costs and insurance for individuals, businesses will increase remarkably if located in danger zones.

Insurance (not related to climate change):

  • People afflicted by obesity and preconditioned illnesses will find acquiring and maintaining insurance difficult.
  • Availability of health insurance will become more difficult to acquire. Uninsured population will increase.
  • Automotive insurance costs will become highly excessive and very regionally patterned.
  • Pharmaceutical costs due to legal actions/costs and liability will increase the cost of vital medications.

Insurers have found the acquisition of new consumers outside of those areas inflicted by climate change to be far more profitable and easier to manage. The aged population of the Americas and the EU will place greater economic drains upon insurers profits, while virgin economic regions in: Asia, Africa and Latin America lay open to the insurance sector’s manipulations.

Paul Kovacs of The Institute of Catastrophic Loss Reduction in Toronto said it has been proven that investing $1.00 in prevention can save governments, insurers and individuals between $5 to $10 when disaster comes, yet getting this investment in prevention is seen as a hard sell to all involved. Examples like overland flooding insurance (not available until 2016) now has over 10 million Canadians signed on. 10% of Canada’s homeowners are considered too high risk to get such insurance, as they reside in danger zones.

When I was fortunate to purchase my home, it was located away from all waterways, on a hill angled slightly for good drainage. Outside of the occasional twister we have been free of most climatic threats.

Fingers crossed.

Community News

Hidden Agendas – Bill C-293: The silent Bill being passed right under our noses

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BY SIMONE J. SMITH

Greetings everyone.

It is always fascinating, isn’t it? How some things dominate the news, get talked about endlessly on our social media feeds, debated over dinner tables, and dissected in countless articles and op-eds, but what about the things that do not make headlines? What about the decisions that happen quietly, in the background, while we are busy discussing everything else?

This edition, I want to shed light on something that has been happening right under our noses. A bill, being crafted, debated, and—unless we take action—soon to be passed by the Canadian government, without most of us even knowing it exists. By the time it hits the public radar, it might just be too late.

Now, I know some of you may be thinking, “What bill? I haven’t heard about any major legislation.” That is exactly the point. While we are kept busy with all the newsworthy controversies, this bill is being shaped in the shadows.

Why hasn’t this bill gotten the same attention? Why isn’t it making headlines? Is it not important enough, or is there something else at play? What this bill will do is undermine Canadian sovereignty by shifting power to unelected, non-Canadian organizations like the WHO and WEF.

You see, it is always the quiet ones, the bills that fly under the radar, that often carry the biggest consequences. The laws that: reshuffle power dynamics, alter rights, or change the very fabric of our society without any of us having a say. By the time we are aware, the decisions have been made, the ink has dried, and we’re left wondering, “How did this happen?”

So today, as I share the details of this bill, I want you to think critically. Ask yourselves why it has not been brought to our attention sooner. Why has it been kept quiet? Most importantly, what can we do as a community to ensure that we are no longer kept in the dark?

It is a move that willfully hands over control of your food, your privacy, and your rights to globalist agendas. You have likely heard of the hard work Citizengo is doing around the world to stop the World Health Organization’s (WHO) Pandemic Treaty.  A treaty that would have countries sign away their national sovereignty and become servantent states under unelected globalist rule, whenever and however the next “pandemic” is called. If this goes through we will see the World Health Organization’s “One Health Initiative” rolled out in Canada. This has dire consequences and will essentially usher in a technocratic surveillance state under the guise of safety and preparedness.

What if I told you that Canada, thanks to Justin Trudeau’s Liberals and Jagmeet Singh’s New Democratic Party, have already hatched a plan to surrender our national sovereignty to their authoritarian globalist friends. Let me introduce you to Bill C-293, the Pandemic Prevention and Preparedness Act, introduced by Liberal MP Nathaniel Erskine-Smith. Currently, the bill is awaiting its 2nd Reading in The Senate, under the very noses of every-single Canadian, and this is news for some of our readers right now.

I only just learned about this Pandemic Treaty Bill myself when the team at CitizenGo reached out to me. Shortly thereafter, LifeSiteNews released their article, and I was truly shocked by what I read. “Included in Bill C-293 are provisions to ‘regulate commercial activities that can contribute to pandemic risk, including industrial animal agriculture,’ produce ‘alternative proteins,’ and ‘enable contact tracing of persons.”

In other words, if Bill C-293 passes, The Food and Agriculture Organization of the United Nations (FAO), The World Health Organization (WHO), The World Organization for Animal Health (WOAH), and the United Nations Environment Programme (UNEP), and other unelected globalist international bodies will have unprecedented control over Canada’s sovereignty.

If this bill is allowed to ascend into Canadian law, the federal government would have to listen to these globalist agencies “guidelines” in regulating our agriculture industry all under the guise of something called “pandemic prevention.”

Guess what else falls under this vague label? Promoting alternative proteins like insects while phasing out traditional meat production. Even more alarming, the bill allows for contact tracing, raising serious privacy concerns and enabling government overreach. How many more digital applications are you going to have to pay for, like ArriveCAN, if you decide to travel abroad, or even throughout Canada?

Here’s how Canadian sovereignty will be lost:

  • Global Regulation of Industrial Agriculture will target meat production and give international bodies influence over what Canadians can produce and consume.
  • Promoting Alternative Proteins through the pushing of lab-grown meats and insect farms designed to devastate local farmers and meat producers.
  • Implementing Contact Tracing to intrude upon every aspect of your life. Without privacy, digital IDs and contact tracing tools grant significant power to the government to control individuals’ behaviour, including where you can go through the usage of mandatory lockdowns and “social distancing” style policies.
  • Ceding Control to Global Institutions were Canada’s pandemic response and industries would be 100% subjected to international oversight, ending our national autonomy as a democratic nation that values individuals’ Human Rights and Freedoms.

The Senate was set to resume its business on September 17th, 2024, but here is the reality: this is not an accident. Certain policies are designed to be kept quiet, tucked away, and only brought to light when there is no turning back. Whether it is the complexity of the bill, or the deliberate silence around it, it is clear—the less we know, the less we can protest.

It is not just this one bill. It is a pattern. While we are being distracted by the flashy stories, we miss the subtler, yet often more impactful, moves happening right beneath the surface. What is the strategy behind this? Silence. Secrecy. Control. Before we know it, we are living with the consequences of decisions we never had a chance to discuss, let alone oppose.

Now, I am not here to incite fear. I’m here to inspire awareness, because we still have a say. We still have time. We must start paying attention to these quieter moves by our government. We need to ask the hard questions, demand transparency, and hold those in power accountable for the decisions they make in the shadows.

If we don’t, we’ll continue to wake up to laws that we had no idea were even in the works. We’ll continue to have: rights, freedoms, and choices taken away without our consent. And that, my friends, is a dangerous place to be.

Democracy doesn’t just live in the loud, public moments—it thrives when we shine a light on the quiet ones too.

REFERENCES:

https://www.onehealthcommission.org/en/why_one_health/what_is_one_health/

https://www.citizengo.org/en-ca

https://www.parl.ca/documentviewer/en/44-1/bill/C-293/third-reading

https://em.citizengo.org/OTA3LU9EWS0wNTEAAAGVic6AghmKYA6VL35jcL7JwEYFvRucjLnneADAZGHY-8NrORLPoh1N5xgY_bNvOwh7xoMLCzs=

Bill C-293 (International Pandemic Treaty) Revisited: Concerns Raised Over Food Supply

 

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The drug manufacturer and pusher man: Off with their heads

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BY STEVEN KASZAB

Victims of the opioid epidemic have been shouting aloud to the: authorities, addiction/mental health emergency providers, and local governments for help. Asking, pleading, and when action does not happen quick enough protesting the apparent inaction of those who are supposed to be protecting society. There will always be excuses as to why those who manufacture and sell these drugs are not in prison right now. Their legal rights, the police’s inability to soundly find proof necessary to have them arrested, the federal government cannot stop the importation of these illegal drugs illegally, nor the domestic manufacturing of this poison. Aboriginal Rights, personal and privacy rights, international domains, lack of response from India and China’s Security Apparatus in stopping those in their country.

It comes down to the question, if you are addicted to drugs, are you of sound mind and body? Can you think for yourself, or must a public judicator force the addict into rehabilitative care? Often war does not have rules, and the war on drugs has been one sided for a very long time. Those nations that allow illicit drugs to be made in their territory, or transported from should feel the effects of powerful embargos. Let the Foreign Affairs Office do something useful by placing: Mexico, China, Columbia, Burma, and others on an embargo list not allowing them to ship or sell their products to Canada.

Long ago sanitariums were set aside, considered politically incorrect. Now, these same institutions of medical rehabilitation are necessary to hold involuntarily addicts for a three-to-six-month period, where their healthcare, mental health, and addiction therapy can be carried out. Inviting the church organizations to assist with their historical experience can be an asset.

Our society must take the war seriously, or hundreds of thousands of our citizens will perish. Take no prisoners, as those who manufacture and sell this poison know exactly: what they are doing, who they are harming, and what the end game truly will be.

For all those who have not seen someone dying of addiction, being poisoned long term, or it was their very first try…wake up. Decide whose side you are on, the victims and their families, the society you live in that is possibly the best that can exist, or you’re on the side of evil, people who make a living by poisoning and killing others.

Choose, and choose well.

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Canadian Congress on Inclusive Diversity and Workplace Equity 4th Annual Canada Leadership Summit and Nations Building Award

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BY PAUL JUNOR

There will be much to look forward to at the 4th Annual Canada Leadership Summit and Nations Building Award which will be held on Friday, October 4th, and Saturday, October 5th, 2024, at the Hilton Toronto Airport Hotel. The event will be hosted by the Canadian Congress on Inclusive Diversity and Workplace Equity and along with several partners such as: International School of Greatness (ISG), Diversity Institute located at TMU and other strategic partners who have been integral.

The CIDWE is described as the premier global event that gathers leaders from diverse backgrounds, all united by a shared dedication to transformational leadership and tackling today’s most urgent issues through networking, advocacy, and steadfast commitment. An integral mission of the summit is the goal of inspiring participants to rise above: personal, professional, and corporate challenges, and their aim is to ignite the spirit of leadership in everyone and transform those in positions of authority into nation builders.

On Friday, October 4th, 2024, there will be an evening of networking. It is intended to inspire critical dialogue and action on a global scale through strategic learning and networking opportunities.

On Saturday, October 5th, 2024, there will be a Business Breakfast Forum followed by the Leadership and Diversity workshops. There will be a Business Branding and Profitable Growth Workshop. Participants will learn about the Seven Laws of Exponential Growth and how to leverage the Psychology of Sales and Marketing to build generational wealth and achieve global impact.

These series of workshops will focus on: Transformational Leadership, Strategic Management, Social Justice, and Community Development. Some of the speakers include Dr. Wendy Cukier, Dr. Ardavan Eizadirad, Dr. Upiomoh Osholene, Dr. Mary Grogan, Alethia O’Hara Stephenson, and others.

The Nation Builders Award will be given to thirteen inspirational and motivational individuals who have distinguished themselves in a variety of fields such as: government, academia, business, and community service. A nation builder is understood in very specific terms as  someone who actively contributes to the development and strengthening of their country. In addition, nation builders take responsibility for their country’s future, working to create: systems, policies, and cultural practices that lead to long-term success and prosperity. They are visionaries who understand that the strength of a nation depends on the collective efforts of its people, and they work to: inspire, lead and empower others to participate in this important work.

In an email, Nosakhare Alex Ihama mentioned, “Our dedicated committee meticulously selected the 2024 nominees, ensuring that the awardees exemplify outstanding leadership and community service across our nation. With about 100: speakers, panelists, entertainers, sponsors, and strategic partners involved; we are proud to be recognized as a leading platform for national transformation. We congratulate the distinguished 2024 award recipients and eagerly anticipate learning from their insights while celebrating their collective achievements in making Canada truly North and Free.”

Participants will be able to network with the speakers and Nation Builder Award winners. They will have an opportunity to engage with thought leaders and policymakers and be part of meaningful conversations that will shape our collective future.

The titles of the awards and the names of the thirteen recipients are:

  • Nation Builders Lifetime Leadership Award: Senator Wando Thomas
  • Nation Builders Award for Excellence in Black Community Development: Dr. Winston LaRose
  • Nation Builders Legacy Award: Honorable Dr. Jean Augustine
  • Nation Builders Award for Inclusive Government & Policies: Greg Fergus
  • Nation Builders Award in Education & Academia: Dr. Gervan Fearon
  • Social Justice Icon Award: Honourable Michaelle Jean
  • Nation Business Award for Business Excellence: Harriet Thornhill
  • Nation Builders Rising Star Award for Social Justice: Nicholas Marcus Thompson
  • Nation Builders Global Humanitarian Award: Kamala Jean Gopie
  • Nation Builders Award for Inclusive & Equitable Sports: Rowan Barrett
  • Nation Builders Award for National Unity & Harmony: Senator Murray Sinclair
  • Nation Builders Award for Media, Arts & Entertainment: Patricia Babia
  • Nation Builders Award for Law and Justice: Hon. Justice Donald McLeod
  • Nation Builders Award for Youth Empowerment: Diana Alli D’Souza

There is much to expect from the upcoming Leadership Summit and Nation Builders Award. No doubt, there will be many moments of: empowerment, inspiration, motivation, and engagement.

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