Now listen. You can't fool all the people all the time-- but I want you to try.

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.

Nobody wants campaign finance reform more than me. It would save me a fortune.

The industry cannot long offer unneeded or overpriced insurance if people will not buy it.

People don't need to find reasons to justify their not giving. What they need to find is the inspiration to give. And those who don't, but could afford to, are missing out on one of wealth's greatest luxuries.

Still, most people don't have much money. So finding ways to come out a couple of thousand dollars ahead every year still matters.

In short: Readily available low-cost life insurance would be a threat to the industry, and whatever threatens the life insurance industry threatens America.