One of the advantages of the book's having been out there for more than a quarter century is that there's been time for people to report back on what it's done for them.
The life insurance industry is filled with good people who believe in their work and their companies, but who may never have challenged the assumptions underlying their efforts.
There's no question young drivers have far more accidents than older ones-but is it our aim to keep them off the roads? Or to allow only rich young people (who can afford the premiums) to drive?
The industry cannot long offer unneeded or overpriced insurance if people will not buy it.