The main difference between myself and a fortune 500 company is this: They do business with the public in the form of hundreds if not thousands of customers. I don't.

That said, insurance companies operate one of the biggest shell games going; make sure money comes into their coffers while very very little goes out. Give the policy holder a worthless piece of paper called a 'policy' and pretend their promises are good as gold.

More than one insurance company has filed for chapter 11 federal bankruptcy protection leaving the policy holders holding the proverbial bag.