The Shield Insurance. Opportunity

 

The Shield Insurance. Opportunity 

WHAT WE HAVE 

In displaced & challenged new-found insurance environments like Alberta a Province, Canada 

Change has occurred between 2018-2025

We expect Government & Government Policy

INSTEAD 

Private Sector - Third party invested interests & a basic then separate Policy Tier voiding affordable Tiers 

WHAT WE REQUIRE 

A total disregard in the trnasitonary 2018-2024 / 2025 financial climate 

An international perspective 

A investment backed effort with commodities & value based market then In-House following the CIG advantage in effective financial invsstment just for the practice of growing a pool fund separate from monthly premiums then a Co-Pay effect

HOW WE ARE DOING TO DO IT 

Simply split some investments out of S.B.G & CIG to create the newly establishing Shield Insurance within Shield Financial  

Banking

Wealth - Asset + Debt Management 

Insurance 

INVESTMENT BASED INSURANCE 

Investment based Insurance upgrades the basic pool based scenario stating where less than total premiums minus expenses cover pay outs yet if that goes above then the insurance company temporarily runs at a loss with pay outs & expenses increasing to cover loans to acheive 

With the S.B.G & CIG advantage 25-75% of the pool is from an outside managed investment to keep premiums downward & affordable for commercial & consumer based insurance thus assisting the economic landscape of a local & regional approach 

With an average basic non-luxury sedan premium in Edmonton, Alberta for a 20-25 or 25-30 year old increasing from $125 to $500-600 while commercial Motion (auto +) insurance are & have increased negatively affecting the economy in the Province of Alberta 

Insurance connected for Housing, Health or Dental & as a result Product Units & services all go upward when one area of economic supply in mandatory form increases so we require a managed safe affordable Tier structure with safe guards & financial backing to acheice 

We can then drop that $500-600 per month payment down to $75-150 in a sustianable effort with approved 3-4+ / 3 & 1-2 Tier subsidy efforts 

WHAT WE ARE DOING BEYOND THIS EFFORT 

Affordability Tiers across the board including Zero Emissions & Zero Cycle Energy Cycles 

S.B.G & CIG have this in place against Canadian based investments. Calgary, Toronto & Moncton connected to European - International Investments while K.S of CIG invests in USA separately aligning with their effort & plans 

WHY THIS IS THE ONLY SOLUTION 

Variables like insurance pools & overall living costs contribute to inflation which lowers incomes against costs & can knock people out of their lives quickly 

Most live with as a mass population within a safe ratio yet rising costs in fixed locked terms can lower this ability so the ratio shrinks & they cannot rise above leaving them shrinking & thus working to save nothing & going in a backward financial motion rather than breaking even or profiting in savings & personal investment plans

The same situation exists for companies of the private sector not Government of the public sector separate from citizens of the personal sector 

We need the structure with market, hybrid capped & capped then a standard set of options within connecting umbrellas as strategies to shift between in quarterly maintenance 

GOOD BEHAVIOURS & RECORDS SUBSIDYING BAD

Bad drivers or those neuro-strikes then natural diaster or hazard out of their control against man-made variables contribite to claims with insurance separate from con-artist scam artist rings looking for a free ride as a side hustle 

Hail storms we could use a stronger composite material replacing traditional that cna take wind & hail so repairs are jot required in prone areas thus removing higher insurance pay ours including Calgary, Alberta 

As your vehicle is damaged materials are replaced with old sold & new affixed because you live in that "danger zone" 

CO-PAY SYSTEM IN INSURANCE 

Like with Health & Dental you pay your premium to S.B.G & CIG The Shield then a third party provider investment pool 

Your premium increases the pool for safe investments against commodity management 

Fair insurance pay-outs utilize the pool - investment managed option domestically first & internationally second 

Co-pay is your deductible which you cna obtain a financier for covering 100% so you are offered service right away then options covering after & this practice creates a conscious safe peeson that tries to avoid an insurance claim as a result utilizing safe standards & practices as financial aspects will lower their quality of life if within their conscious control 

COVERAGE OPT IN OR OUT TIER STRUCTURE 

A basic mandatory foundation then choice opt in or out options then individual package for assets separate from structure + land with all considered scenarios & variables that could occur then legal cases against law & safe practices 

Advanced AI AGI use in insurance underwriting effort to adjust to different changing variables of risk including a flee & return option for natural or man-made disaster or hazard & options to protect assets, structures & biological life within 

With Calgary, Alberta costs & pricing then inflation sky-rocketing while minimum wage & a foundational 1-2 subsidy is disregarded it will likely mot change as people adjust to that & rising Energy costs voiding savings forcing people to go into smaller options with multiple people for equivlance rather than the opposite with a growth model while the Energy sector pays less & less for equivlance with automation increasing against foreign import labor operating at a lower cost voiding local, regional & domestic opportunity even with credentials & knowledge with skill + experience 

British Columbia like Ontario are expensive yet more structured & controlled than Prairie Provinces while Maritimes is less expensive & Quebec is variables quite expensive like Northern Territories or Provinces in Canada 

REFERENCE 

Relevant & Irrelevant Reference 

Alberta Insurance

https://www.cbc.ca/news/canada/calgary/alberta-automobile-insurance-rate-board-report-airb-2025-1.7608107

We have connected interests with different investments that can easily transform the entire majority of international insurance options into a sustianable effort for economic security

Insurance Brokers are great to seek pool deals for clients yet this is above that in supply then access with real pay-puts that imcrease above traditional as the structure is designed to void pay-outs & yet increase pools so when they do occur they are higher in the amount than traditional 

Service now. Financials worked for tomorrow in a sustianable effort extending to default & stretch variables utilizing investment strategies 

As designed by Dr Sydney Nicola Bennett 

REAL SOLUTIONS

Put the H.I.3 Case descriptions together as it all goes together as one. Solutions for modern problems 

Registration. Insurance. Maintenance. Safety. Safe practices. Security & economic structural Tiers in use for Motion & Stationary Energy separate from Food - Drink. Medical & Dental then Basic Needs VS Earned Privledge 

British Columbia became a model since David Eby remodeled the Insurance landscape between 2018-2020 after taking control as Premier of the Canadian Province yet more can be done to address insurance 

Insurance Broker & Conapny expenses need to be controlled against while skilled labor against automation spread then investment competition of smaller to larger portfolios has to be had in order to adjust to a structured Fair 3-4+ / 3 with 1-2 Tier effort 

Alberta unlike British Columbia does not retain a structurenin rent control as it is open or fixed often to economic activity against expenses versus Fair to higher profit models like for profit mortgage based leased land or freehold ownership on residential & commercial land 

Helicopters like Motorcycles 

https://www.rideapart.com/features/768745/rogue-aviation-motorcyclists-helicopter-training-first-flight/

S.B.G & CIG