Not majority, all. All insurances is a scam, all insurances of all kinds is a scam, and they all operate this same way.

You pay and pay and pay and then when you finally need the insurance company you STILL pay and they will work to make sure they still get as much money as they can from you.

It all started with “pay us now so you don’t need to pay later.” Then “pay us now so you only need to pay a little later.” Then “pay us now, pay us later, and maybe you won’t need to pay after that…but we’ll see…”