Man's natural life span, 75 to 90 years or so, has not increased. It is the number of us who manage to attain it that has increased.

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.

Man's natural life span, 75 to 90 years or so, has not increased. It is the number of us who manage to attain it that has increased.

The life insurance industry is filled with good people who believe in their work and their companies, but who may never have challenged the assumptions underlying their efforts.

What kind of bank gives back 65 percent-often less-of what you deposit? Indeed, when you compare the services of a bank and an insurance company, common sense suggests something is out of whack.

You want 21 percent risk free? Pay off your credit cards.

Hay fever suffers tend to be above average in intelligence.