This book analyzes the faults and failures that shaped assessment life insurance and argues for practical changes over blanket prohibition. It contrasts different insurance models and lays out a framework for fair, state-supported regulation that guards policy-holders while preserving valuable coverage.

Learn the key debates between reform and destruction in the history of assessment insurance
Understand three plain principles proposed to guide fair, accountable regulation
See how equity between policy-holders can be maintained through reserve rules and cost structures
Discover why general, not special, legislation may better protect consumers and insurers

Ideal for readers interested in insurance history, public policy, and how laws shape the balance between protection and access to coverage.

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