Going Green in Life Insurance

Stack of Paper | Source: striatic on FlickrIf you’re looking for businesses that are strong candidates to go green, you might put the life insurance industry near the top of the list. With no physical product being produced, what is there to consume? You might be surprised.

The amount of driving, the number of couriers, and the stacks of paper needed to complete one sale is astounding. Every time someone buys life insurance and they fill out a hard copy of the application, the agent has to make a copy. It then has to be couriered off to the insurance wholesaler who takes another copy before sending the original file to the insurance company. If the selling agent is meeting with the client face to face then it adds another car to the road.

So what’s keeping the insurance industry from becoming better stewards of the environment? Motivation. Most insurers are fine with the status quo and don’t appreciate the savings of going green. Here are a few things that could help this industry go green.

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Tetra Pak – The Environmental Dilemma

Tetra Pak | Source: Tetra Pak on FlickrMy fiancee and I are having a green wedding. That means that we’re making conscious choices about the environmental impacts of every wedding-related decision we make, including what we provide to our guests. We decided not to provide soft drinks, but rather to provide a selection of healthier, organic juices. We went to the grocery store and found ourselves in a classic environmental dilemma, much like the ketchup bottle situation that Rick Smith found himself in when writing Slow Death by Rubber Duck. On one side, we found Santa Cruz Organic juices, a product of California and packaged in a glass bottle. On the other hand, we found Kiju Organic juices, a local Ontario product, packaged in a Tetra Pak container. Both products were the same price for roughly the same volume of juice, so there was no financial aspect to the decision. A glass bottle is more sustainable than a Tetra Pak, but a local product means it didn’t travel as far – if only there was a local product in a glass bottle! But alas, this is the classic environmental dilemma – more often than not, when trying to be environmentally responsible, you are faced not with an ideal choice, but with having to choose the lesser of two evils.

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The Hidden Ingredient in Fragrance – Phthalates

Cosmetics | Source: Akira Ohgaki on FlickrGo into your bathroom and look at the ingredients on every cosmetic or personal care product. Unless you are an avid purchaser of eco and/or health friendly products, I guarantee that almost all of them will list either Fragrance or Parfum as an ingredient. But what exactly is fragrance or parfum? The sad reality is that you might not want to know the answer.

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