I imagine that Randy, as an apparently shrewd businessman, has either an opinion in hand from the Colorado Insurance Commissioner that his product(s) is(are) not insurance, or an approval to sell such products as insurance.

It would, however, be interesting to know which.

PS. I just took at look at the AwardGuard registration form. If anyone here thinks that for about a hundred bucks a year this outfit is going to pay you the equivalent of $7,500 per year in free travel if your program goes out of business while charging you the same premium whether you have 25,000 or 2,500,000 miles in the bank, you're high.

[This message has been edited by Mikey likes it (edited 03-23-2003).]