[mook]

I suspect what will actually happen is that they'll take your money, but once you need the coverage _then_ they will suddenly realize that you're predisposed to that and refuse to hand out the money. That is, they will take the bet and then reuse the payout.

[taneq]

Oh, they'll still take your money, and they won't inform you explicitly that you're disqualified. Like all asymmetric information games, the way to 'win' insurance is to know more than the other party.

[DoreenMichele]

Touche.

Someone even more cynical than me.

/Still naive after all these years.