There is an American insurance company whose advertisements seek to convince consumers that they are in good hands when insured by them. All companies, including insurance companies, are in business to make a profit, not to do the consumer a favor. They may receive a benefit as a result of your doing business, but if the company is not profitable, it ceases to exist. Capitalism is at the heart of the American society.

The cost of protecting houses and contents, automobiles and boats as well as life itself, escalates on a continuous basis. In fact, the cost is so great until we become insurance poor, just trying to buy a good protection plan. Base salary is no longer the sole ingredient in job negotiations, but fringe benefits have surfaced into a place of great prominence, all because the c…