Abstract:
Americans like life insurance but seem happy enough not knowing much about it. But what is the cost of not knowing much about it?! In a recent year responsible American providers were paying for about one hundred seventy four million individual life insurance policies. Nearly ninety percent will be totally worthless at the death of the insured!

Needy beneficiaries lose billions of dollars. Move from caring, to caring enough! There are only two causes of this waste, which are explained. The few simple steps needed to stop wasting money for life insurance are easy. This pleases God. It provides value received for value given.