They advertise savings of $600 per year. As has been mentioned before if this is a circa 1 in 16 year phenomenon then she is break even or coming out ahead. Th

They advertise savings of $600 per year. As has been mentioned before if this is a circa 1 in 16 year phenomenon then she is break even or coming out ahead. There are no free lunches. You can’t just get the $600 in savings and complain about the risk.