As I sit here in the regional cancer center waiting to see my radiation oncologist for a follow up, talking with others that are either survivors or undergoing treatment, my thoughts turned to cancer insurance. There are many that say it is a waste of money. I can guarantee you that those that are fortunate enough to have the coverage to help them financially as they undergo treatment are among that group. But, what about the folks that carry a plan and never have a claim? Have they just wasted their money? Well, first of all, I would be very thankful if I were in that group but something occurred to me this morning that I had never thought of before. "Where do you think the money to pay claims to those that need it comes from?" ...From the money contributed in the form of premiums by people who never have a claim. So the money we pay is not wasted but goes to help others in need which actually was the whole idea behind the early insurance societies. Down deep I always knew that but I have used that knowledge in my presentation. Have always just appealed to the clients sense of "greed" that if the needed the money it would be there. But, by telling them, "I hope you never need it and if you don't you will have helped others that were in desperate need.", you also appeal to their sense of charity.