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Back in the early days of the Obama Administration when the Republicans were fighting so hard to block expansion of the Childrens Health Insurance Program, Senator Charles Grassley was bemoaning how "devastating" to the private insurance industry how such expansion would be. There one insurance company is/was located in his home state of Iowa in the city of Des Moine, that deserves to be put out of business! That company was American Republic Insurance Company. Because of my mild to moderate ulcerative colitis (which is well controlled), that company would not touch me with a "ten-foot colonoscope" with respect to offering me any form of health insurance product, but would sell me a badly overpriced life insurance product. At the same time, when no company would underwrite my late wife for any new life insurance product because of her recently discovered polycystic kidney condition, they would offer he a health insurance product, with any form of kidney condition excluded from coverage, of course. One year later, at the urging of the then family financial advisor, the product was to be dropped. In the state of Kansas, a salesman is allowed under these circumstances to make a last ditch sales call. When it became obvious that the life insurance product was going to be replace, he told, out of frustration of an article that appeared in one of its internal company publication in which the underwriters were chortling over how "cute and clever" they were in that they would issue health insurance for a skydiver, but not life insurance!