Every time I have ever purchased any insurance policy, I have read it. All of it. Then I pick out sentences or paragraphs and ask my agent to explain what they mean. The agent never knows. Their boss never knows.

I'm a fairly educated person. I understand a lot of complicated things. I can read and comprehend legal statutes, building codes, lease agreements, historical documents, Shakespeare, transcripts of legal proceedings, and lots of hiphop. But I have never been given a policy statement from my insurance agent that was coherent. Or even complete.