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Lol. Yes, very true.
Im not an advocate of securitizing LI policies; but they would at least be more stable than the government mandated high risk mortgages that recently blew up!
Also leave insurance under the control of the states. No SEC, no Feds. The states do a better job and it is closer to the populace where the citizenry can "get in the face" of corrupt state and locals pols.