Since $7,500 may buy you only ONE business class ticket to EUrope it is obviously best not to use this product to cover massive mileage balances.

I have been subscribing for over 10 years as I was worried about the viability of my TWA miles. I'll still pay, but this does lesten the value of the product. On a positive note it does limit the exposure of the program to huge claims which means it may be there when you need it (even if a airline size of UA goes under).