The fundamental purpose of insurance is to provide a safety net to support its policyholder in dire times. Whether it is financial protection following a natural disaster, auto accident, or life-threatening illness, Americans turn to insurance companies to ease their stress and help them rebuild their lives. Unfortunately, most hard-working individuals and their families in the United States are insured by massive conglomerates that strive to undercut policyholders at every opportunity, raise premiums without warning, deny claims whenever possible, and effectively betray the trust and fiduary duties owed to their insureds.