Dan Kelley uses an iceberg analogy for insurance coverage, and it goes like this: “The loss you see from an event is just the tip of the iceberg, but maybe 80% to 85% is underwater.

We’ve Already Hit the Iceberg The day after the Social Security trust fund runs out will be no different than the day before. Either way, more water will have flowed into the hull. Share Resize ...

When we hear the iceberg metaphor, our imaginations often drift to the idea that danger lies beneath the surface. But instead of focusing on the hidden threats, let's explore the vast sea of ...