I haven't used any of the insurance programs, but I've researched them, and I' m a finance gal. Realize that any of these companies have run the numbers and have priced their program such that they will make a profit--they are just like insurance companies in that regard. (Or any other company; why would they stay in business if they couldn't make a profit?)
Knowing that, you already know that ON EXPECTATION, you will lose money if you use their program (It averages $1000-2000; that is their profit margin.) However, you could end up on the wrong side of the expected value statistics; someone has to. So if it is more important to you to have a set amount that you know you won't have to pay more than, (or a guaranteed money back if it doesn't work), than it is to have the on-average best use of your dollar, then go for it. For some people, that peace-of-mind is worth it.
|This message has been edited by Sekura21 on Mar 2, 2012 2:17 PM|