Mostly due to the fact we think we are much more likely to need it than we are in reality and the fact that we may already get that coverage for free other ways. Although I see your point I could make a revision and emphasize more of the data as to why they are a bad deal.

Thanks.

Economic policy wonk by day. Personal finance writer by night. I write about investing, debt, and all things related to money. Editor of Making of a Millionaire

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