How can anyone possibly think they can give a monetary value for another person? Who decides who needs high risk life insurance, and who is just a 'regular' risk? Hmmm... I remember back when hubby (who wasn't hubby then) was taking flying lessons, and something was said about companies that wouldn't insure him if he was a pilot. Personally, I'd think that in a plane is about the safest way to fly. Remember that movie, I think it was Along Came Polly or something, where the insurance guy had to write a policy for the crazy guy who did a bunch of extreme sports and made him try base jumping?? No, thankyouverymuch.
My point? Why no, I didn't have one. ;)