Insurance and new groups

I'm not taking any chances.

If someone else comes along with better service, I might change.

I'm not going to risk going into dissolution waiting for the proverbial "something better" to come along.

If there are only one or two lifeboats available, albeit not perfect in form or function, would you rather wait and risk getting killed (flood, fire, etc.), or are you willing to get on board?

Remember, being in a cryostat is not the worst thing that could happen to you.