Jetjok, it is true that one never knows what is just around the corner, no matter how bulletproof we think we are, it's all an illusion.

But I believe that I could spend weeks poring through the fine print of every possible policy, and that would not be as valuable as one person's firsthand experience. The fine print won't tell you that they'll fight like crazy not to pay you a cent when you need it. Or demand thirty years of your medical records. Or have wonderful customer service when you're signing up, but refuse to answer your calls when you're trying to collect.

I'd imagine we're all looking for something similar, a company that offers the best coverage for the cheapest price---but pays out without giving you a hassle. All of them have many different levels of coverage, and I'm not interested in what coverage people prefer, but what company they think gives them the best value.