Insurance is all about calculating the odds and planning for risk. Croatian music teacher Frane Selak defies the odds – watch his incredible story.

In a postscript to this story with a nice twist, Mr. Selak explains how he felt about things:

“I never thought I was lucky to survive all my brushes with death. I thought I was unlucky to be in them in the first place.”

He added that people were always telling him he was lucky to have survived so many disasters but he added: “I always think I was unlucky to have been in them in the first place but you can’t tell people what they don’t want to believe.”

In later years, he had a life change that made him realize he really did have “a charmed and blessed life.