> What happens if you go to an insurance house, they tell you for how
much
> they'd insure you if they would (but don't), and then go to the bank
and
> arrange for that exact sum to be diverted monthly into a checking
> account earmarked for that purpose ? Yes I know the premiums would not
> cover a major emergency in the close future. But what about later ?
> After all, if statistics work for the insurance company, why would
they
> not work for you ?

Half the time, the disaster will happen in the first half of your
policy, when you are under-capitalized.




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