am i reading this the wrong way? to me it sounds like you are working for an insurance company.

i have researched insurance plans. there is none that i can afford that actually pay for ANYTHING. so i am basically throwing money into a black hole in the hopes that my children will not go into debt for the rest of their lives if i happen to get into an accident, or get cancer, or something catastrophic. and even if these things happen it is my own personal belief that the insurance company will manage to weasel out of paying for what it is sposed to. yes, i am very bitter about 'insurance' companies.