07/04/2019
"Let me ask you a question. If I was an insurance agent, and I tried to sell you a policy that you paid for, but someone else owned the policy, controlled the policy, decided who could be covered and for how much, and could change or terminate the policy at any time without your consent, would you buy that policy?
"Of course not!"
"Right answer! We need to sit down and talk soon"
"No, I'm good. I have all my insurance through work"
"Man, we really need to talk then!"
If you have your insurance through work, you already bought the policy described above. If you pay for it, shouldn't you own it and control it also?