phil lempert: it's affordability. it's convenience. it's not having a lot of waste. people are more concerned about waste than ever before. .
"smoking and drinking � giving these kids a little bit longer to make good decisions in their lives � i'm all for that," bruschi said. .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. . .
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