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.

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

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

Summers are the best. And I figured summer was my best time for meeting someone, too, because in the summer people are looking for someone to snuggle up with for the winter. And because in the summer I could take off my shirt.

No wonder lawyers, who control the legal system, have fought so hard, and with great success, against "no fault" insurance. No fault, no lawsuits. No lawsuits, no lunch.

The life insurance policies advertised on the radio with the line "You cannot be turned down for this coverage!" are actually saying, "For policies this small, it would cost us more to decide whom to turn down than simply to accept everybody - and make them pay through the nose."

It's very nice to be able to be who you are.