I've always had various insurance options available to me (thru my work) including dental, & legal advice. I looked over the detailed plans and what I'd have paid out
(between monthly payments & required deductibles) was way more than I'd have been likely to get back. Auto, health & homeowners insurance, yes of course...those
are all essential or required, but the other options are not.
To me, insurance is a lot like gambling in Las Vegas: you keep paying those little amounts hoping to win big (when you need it for big bills), but think about it- if the
"house" wasn't winning MOST of the time, do you really think there'd be ANY casinos in operation?No, of course not- they're in it to make money, just as insurance
companies are, & that's why the policies are written to be so confusing & why they have such aggressive sales people pushing their products, & why you see so many
(expensive!) commercials for insurance on TV. If you're guessing that I'm not a gambler, you'd be correct.
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