> If a large number of Americans suddenly and unexpectedly die for some reason, it seems like the type of situation the government would step in to resolve anyw

> If a large number of Americans suddenly and unexpectedly die for some reason, it seems like the type of situation the government would step in to resolve anyway. Another way to put this is privatize the premiums and socialize the risk. If we the people are going to provide a reinsurance backstop we should be compensated for it appropriately.