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

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.

The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.

There's no question young drivers have far more accidents than older ones - but is it our aim to keep them off the roads? Or to allow only rich young people (who can afford the premiums) to drive?

There are only two things as complicated as insurance accounting and I have no idea what they are.

I think a lot of people would rather have more control over their life than less.

Life insurance is a commodity.