Life insurance is a commodity. - Andrew Tobias

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?

Having no national system of catastrophic health insurance, we have, through the courts, managed to patch together pieces of a not very satisfactory one.

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