let's see those zeros cancel out, this zero cancels out, they're getting, over the life of the policy, 1 dollar in premiums for every 100 dollars in insurance.

I just realized that I didn't answer a question that might be burning in your brain because in whole life we talk about the scenario

See, I'm doing a piece on buildings in L.A., and we'd just like some general information, if you could.

The one way to think about it is to think about what's the total premiums they're getting over the life of this policy divided by how much they are insuring me for.

There are many kinds of insurance such as health insurance, fire insurance, life insurance, etc.

It's kind of viewed as what's backing up your death benefit and what's kind of unfortunate if for whatever reason this cash amount is even larger than the death benefit.

Mr. Bauer, we have a national security matter that has gone critical.

I need a lotta life insurance, a home in the country!

We're a fullservice private practice.

His first wife was very educated.

He insured his house against fire.

The house is insured against fire.

Uhh think about getting life insurance

Okay. I do too.

But it wasn't always bad.

Insurance.

Do you sell insurance?

He insured his new house against fire.

My house is fully insured.

My house is covered by insurance.

This is an actual model where we can be asked to optimize what happens.

Insure your house against fire.

Overall

Because before you die you can cash it out, if you die, you definitely get the payoff, but what happens to the cash amount.

I think it's going to take a long time to build the new house.

The other type of policies is whole life and whole life is the motivation for whole life policies.

I sell insurance.

Insurance.

Ah, in that case

The insurance?

An insurance policy.

And then, on the other hand now, someone has to pay for this. Someone has to pay for this.

And they sent me off to school, just to get busy somewhere there.

Most of those funds are associated with adolescents and particularly adults who are severely disabled, individuals who need wraparound services services that are very, very intensive.

Now let's add another twist on it.

Because that's essentially what a credit default swap is, it's insurance on debt.

What's interesting about Credit Default Swaps sometimes referred to as CDSes is that even though there are insurance for all purposes, they are not regulated like insurance.

I'm insured against kidnapping for up to ten million.

At least the trip wasn't a total disaster.

Put it at 0 if you don't.

No enemies,loving family,devoted wife. No large insurance policies.

When you look at how the federal government spends money, so this is the battle right here, 55 percent, more than half, is on Social Security,

And I know that, because of those individuals who are not insured, it drives up the cost for other individuals, who are insured, to pay their rates.

It's high priority. We should have preauthorization the next few days.

Well, if you don't follow the insurance company's procedures, they may never pay you back.