I have always detested insurance companies. I cannot imagine how much money I have paid them over my 40 years of home ownership, car ownership, health insurance, and even a little life insurance. I am going to say 50k in vehicle insurance, 12k homeowners insurance, and probably 200k in health insurance. About a quarter million is what I've paid them thus far. I have made claims totaling about 20k for auto and homeowners related losses, maybe another 50k for a couple of hospitalizations- the last one about 20 years ago. All in all, I have had claims totaling less than a third of what I have paid in over the years. My guess is that most healthy people have had a similar insurance experience. That is a lot of money. Compulsory I might add. The government or corporate America forces most of that on us and I am not even going to speak to unemployment insurance or Workman's Comp Insurance- both items required by government entities. I actually know small businesses that threw i...