[NoOne]

they'd have to add costs of the premiums too. it's not 10% off, net.

insurance is a profitable industry. they charge more than what they provide AND invest your money to gain interest. it probably costs the team more to insure all the players than it will to just pay them when it happens -- otherwise the insurance company would not be in business. no way around it.

can't beat market in long term.. ~6% growth will always be what you are drawn back to. all other results are small sample BS. that allws for possibly providing a very small cost benefit to the insured.. a large company cna do better on its own if teh assets are properly managed. (instead of premiums going to Lloyds, you manage your own rainy day fund.)

honestly, some old companies i cannot understand why they aren't deeply invested and reaping the rewards of the yearly payouts... if you've been around for 100+years it's stupid not to implement this kind of strategy. after 100 years you'd easily have enough to cover anything that insurance does and save a %@#-load of money. *not applicable to small and "smaller" big business. mlb isn't small big business.

insurance is a huge scam in all but a few cases... essentially if it's not heavily regulated you are paying twice as much as you should. there should be a law that limits the % profit they are allowed to skim off the top.

never buy a warranty in retail unless you plan to take advantage of it, no matter the means. e.g. if it covers power surges, fry it, lol. (most do not! read fine print)

OR, in the US there are laws agains a practice ccalled "in-boarding" warranties. if they sell you the warranty and knock down the price of the product to get you to buy, you can immediately return that warranty at it's full price and reap the benefits of the price reduction they just gave you.... if they try to charge more in the refund, that is illegal. if they refues, you call th 1800# for the warranty and you tell them you want to cancel the service contract immediately and that the storre is refusing to do so.

you'll just have to wait for the cehck to come, but you save that $100-200+ they knocked off the product.

you can cancel a service contract/warranty at any time and get a pro-rated refund.. they are required by law to do so. in the first 10 days it's usually 100% (fine print, maybe law? 3-days for sure.) and usually in-store. after that you call the warranty's service dept to cancel. if they give any static, you'll win in the end, and they know it.