IF YOU THINK ABOUT IT, THE GOVERNMENT COULD REGULATE LIFE INSURANCE COMPANIES BY REQUIRING THEM TO REPAY THE POLICY ONCE IT EXPIRES, BUT I GUESS A PERSON PAYS ALL THAT MONEY TO BE INSURED IF THEY DIE, AND WHEN THEY DON'T 20 TO 30 YEARS OF PAYING A COMPANY IS OUT THE WINDOW..... SORT OF LIKE CAR INSURANCE. PAYING ALL THAT MONEY FOR A CAR THAT NEVER GETS WRECKED, OR A HOUSE THAT NEVER GETS DAMAGED. THEN YOU HAVE THE INSURANCE COMPANIES THAT CLAIMED THEY HAD TO RAISE RATES, OR DROP COVERAGE, AFTER YEARS OF RECEIVING PAYMENTS FROM PEOPLE WHO NEVER MAKE A CLAIM.
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