I have worked in life insurance for quite a while - I roll around on the floor laughing with this latest development - not so much as the figures - but the posturing from those that implement these changes are unable to see the wood from the trees. The insurance industry (if you would be silly enough to believe them) lament that their offering is good for all - its not - it's plainly rubbish. - Stand by for the next BS story on how to fix this - so much fun to watch.