CLAIMS & CRISIS
Major Claim
A Major Claim is a life event that forces the policy to pay out in full — divorce, blowup, burnout, public failure, rock bottom.
Definition
Major Claims are the events most people think of as 'the crash.' They cost real money, real relationships, or real years. Mind Insurance does not guarantee they never happen — it guarantees they do not happen because the policy was never written.
Why this matters
One Major Claim costs more than a decade of premiums. The math of prevention is obvious — once the mechanism is named.
Related coverage
Minor ClaimA Minor Claim is a recoverable setback — a conflict, a missed window, a bad week — that the policy absorbs without lapsing.Trigger EventA Trigger Event is the specific moment that activates a collision pattern — the exact stimulus the nervous system misreads as threat.Claims EngineThe Claims Engine is the part of the system that detects, scores, and responds to claims — MIO runs it in real time.