True you could go elsewhere but many come for the quick upgrade and the contract here is pretty damn good. I don't know any captain's that only make $30k. You can't just look at the hourly pay and say o $30/hr for a captain what a joke. There is incentive pay in the FL and NE system that allow for many folks to make a nice little add on to their monthly pay. Besides I already had insurance before I came so I cant complain that they are good or bad if I don't use them. Everyone's personal situation and reason for coming here is different.