Life insurance in America has traditionally been dominated by mutual insurers. Twelve of the fifteen largest life insurers are mutuals.
Not surprisingly, the insurance lobby recoils in horror at the prospect of automatic coverage (including, when it was first proposed, Social Security), no matter how efficient it may be. Automatic coverage eliminates sales commissions and profit.
The life insurance policies advertised on the radio with the line "You cannot be turned down for this coverage!" are actually saying, "For policies this small, it would cost us more to decide whom to turn down than simply to accept everybody - and make them pay through the nose."
The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.
One of the advantages of the book's having been out there for more than a quarter century is that there's been time for people to report back on what it's done for them.
Rule of thumb: The more trimmings an insurance plan has and the harder someone is pitching it, the faster you should run.
Summers are the best. And I figured summer was my best time for meeting someone, too, because in the summer people are looking for someone to snuggle up with for the winter. And because in the summer I could take off my shirt.
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