re: Everybody wants to sell me insurance...

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I believe the cost of the actual insurance is spelled out pretty clearly in the contracts. I also beleive so are the expenses etc, and the maximum highest cost of insurance.

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Yea, generally they are. I don't mean to seem like I'm questioning you on it, just that it is something I've never seen before. I've seen a lot of policies, but understandably have not seen them all. Just find it very interesting if true.

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I'm a funny guy, insurance policies are contracts, and I read through these before I ever sign anything.

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Not funny, smart.