I am truly not trying to argue this point with you and I am very sorry about your daughter's problems. Insurance is all about risk. It's a gamble you take by the policy you choose and the company takes by insuring you. What I have stated above is just my opinion for whatever that is worth and you have your opinion. I am also sure that there are other agents on this board that feel the same way you do. I admire you being in sales, it is a difficult carreer...