At insurance company InShared, they let their clients benefit from the profits they make.

So if clients make fewer claims, InShared can keep itspremiums low.

This guy wants to keep his own premium low. So he came up with an invention to keep burglars away: a doorbell path. Now a burglar will never come unannounced. And that will prevent them from making damage claims. So the premium for this guy's insurance will stay low.