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[FONT=arial,helvetica,univers]Insurance companies are cracking down, too—in part because they fear these arrangements will depress profits. When insurers set premiums, they often assume a certain number of policyholders will drop their coverage as financial or personal circumstances change. But as investors intent on collecting death benefits amass policies, insurers worry they'll have to pay benefits on a greater number of policies than their actuarial models anticipated. [/FONT]
I just love this defense! We don't want to pay out on products we sell, in fact we study on not paying out on our products! Gotta love the morality of insurance companies.