Few things in life are certain. I am certain of that.

Risk is endemic to life and the more threatening the risk the more likely we are to have insurance. Automobile, health, and home are just the most common policies. Yet at the start of most years (health excluded) we do not anticipate making a claim.

One of the greatest threats we face we cannot insure against. We cannot protect ourselves from political risk; although the ballot box can be used to limit our exposure.