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Most people make costly insurance mistakes.
That happens for many reasons. One is that insurance companies often deliberately make the transaction complex, and intentionally keep the public in the dark, by resisting disclosure of information both to the public and the media. This is most serious in the life insurance field, but permeates the whole business. That's why it is so difficult for consumers to buy the right policies in the right companies at the right price. Failure to use deductibles properly.