There are few things as infuriating to an insurance agent as a Gofundme request floating across a social media feed.

This is going to sound like Dave Gragg is, among other things, a cold-hearted jerk. And there’s probably some truth to that.

Because I’m not talking about potato salad.

I’ve seen tragic stories. Gofundme accounts have been set up for folks who lost everything they owned in a house fire, people who had a stroke, families who just lost their father and sole provider and more.

The infuriating thing is that insurance exists — the entire reason I have a job — is to prevent tragedies like these from devastating the rest of your life. And insurance does it faster and better than begging your friends and family to beg their friends and family.

Lose everything in a house fire? Good home insurance would have rebuilt your house, replaced your possessions and found you a place to live while your home was being rebuilt.

Impossibly high medical bills? That’s why medical insurance exists. A $6,000 deductible is rough, but it’s nowhere near as rough as a $200,000 hospital bill.

You have no idea how heart-breakingly frustrating it is to see a family lose their home because dad died in a car accident and know that life insurance could have saved that home, paid the bills and put the kids through college.

Yes, insurance can be expensive, I’m not going to try to tell you otherwise.

But it’s no where near as expensive as not having it.