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 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.
The first life insurance societies where formed in England in the years between 1692 and 1720. In America, life insurance became available to the clergy through the Presbyterian Ministers Fund, founded in 1759 (still in existence), and the Episcopal Corporation, founded ten years later (subsequently merged).
The industry cannot long offer unneeded or overpriced insurance if people will not buy it.
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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