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Doncha just wish we all knew when we were going to check out? Wouldn't that make planning so much easier?

Yep... we delayed many months in making our decision... [we pulled the trigger on THE DAY my premium would increment to the next level due to age increase...]

It reminds me of collision insurance on your car... I'll bet you've carried it just about every year of your driving, but used it very rarely if at all... expensive coverage, but you 'gotta have it'...
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