You may want to peruse the Insurance Board here on TMF. These issues have been discussed alot. In particular, there is an older post from "FoolWAM" that is very thorough in outlining when these kinds of policies begin to make sense. You should be able to find it with a search.Alan McKnight aka FoolWam posts his criteria in several posts on the Insurance board. Here is one of his posts:http://boards.fool.com/message.asp?id=1040016000276004..IF
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