Annuities are the same math but different product, and got valued first by Haley. I'm not aware of life insurance being illegal per se, and there might be ways

Annuities are the same math but different product, and got valued first by Haley. I'm not aware of life insurance being illegal per se, and there might be ways to work around it via structuring as a fraternal organization ala the origins of the insurance industry in the US.