I thought this was about us getting our hands on their money! ;o)
I hate insurance companies, too. They're in business to collect premiums, not to pay claims. But if you're gonna gamble, its better to be the one taking the bets than the one making the bets.
Yes, but the alternative is even worse. At least the profit motive is rational, unlike any gov't operation.
SD
My monthly insurance bill personal and buss is around $900 a month. At 10% for 15 years thats 1.6 mil I could have at retirement. I work on cutting it down every chance I get. I have collected one time on a homeowners insurance in the last 20 years, $800 bucks when the washer overflowed, they raised my prem, and droped me 12 months later when they got back their $800 bucks. Hate is too small a word.
BigMack