Quote Originally Posted by muddoc
...You would be better off saving the money you were planning on spending on insurance premiums and use it in case of an accident.
I belive that's the same with a lot of insurance policies. And don't even get me started on social security. If we were allowed to not pay into SS then instead put all that money into an IRA or even a H.Y.M.M. account, most of us could retire early as millionaires.