A Graded Policy is not a ripoff for someone who is otherwise uninsurable. 2 year wait, if they die before the 2 years are up they get their premium back
How does a dead person request a refund . . . ?
Being behind the 8 ball can be ideal if you have the cue ball & no other of your balls on the table.
Isn't the cue ball always behind the 8 ball in your situation?
I suppose if the 8 ball is against the bumper and the cue ball is touching the 8 ball and opposite the bumper that could be a challenging shot, but it is still behind the 8 ball.
Does the 8 ball have a front and a back?