Any stats on how many would have opted in if they had understood the necessity of opening another pesky envelope, reading another pesky standard letter where it was difficult to find the main information, then filling out and signing another pesky form and mailing it off. I now have a new client who's had his insurance cancelled because he was too busy to understand the stuff in writing. He's in his early 40's, has a mortgage and two kids, wife who also works. AND NO LIFE INSURANCE ANY MORE. Back in the old days, a real person would have called and let him know how important this all was. How on earth is this a good outcome?