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

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.

Life insurance in America has traditionally been dominated by mutual insurers. Twelve of the fifteen largest life insurers are mutuals.

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

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

Hay fever suffers tend to be above average in intelligence.

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