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.

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

There were no jobs created in America from 1945, when the war ended, through 2003. How could there be? Taxes were too high. Preposterously so under Eisenhower, Kennedy, Nixon, Reagan (who left office with a 28 percent rate on long-term capital gains) and Bush the Elder.

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

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

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

Rule of thumb: The more trimmings an insurance plan has and the harder someone is pitching it, the faster you should run.