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I hate the insurance industry with a passion, for insurance firms and agents are, without argument, in league with the devil. They profit from spreading fear and anxiety amongst us, presenting the worst case scenario for every aspect of our lives, in the hope that we will delve into our pockets for a little peace of mind. Our health, our loved ones, our property and our safety are all targets of these pedlars of doom. Even in death it seems - we should be worrying about whether we had been paying the correct premiums on the right death policy. "You know whenever you hear an ambulance siren - there's a person inside who doesn't want to be there?" - upbeat quote from mortgage broker at John Charcol. While I can accept that it is a necessary evil for certain aspects of life, those who actually benefit from it's existence are rarely those for whom it is supposed to protect. In all the years I have paid premiums for this that and the other, I have never once made a [...]