Number one, this is the toughest insurance reforms in history. (Applause.) We are making sure that the system of private insurance works for ordinary families.

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The FDIC's system works like other forms of insurance the agency collects premiums from banks based on the institutions' risk.

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The irony here should not go unnoticed: The opponents that the president disparages are the same folks who tried to save the country from one of the biggest pieces of gum now in the works: Mr. Obama's own health-care insurance program, which today is filling many of its backers with dread as it moves toward full implementation in a matter of months.

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"So many people haven't gotten their money, and they just want some answers, " said Shannon Day, 36, of Indianapolis, who works for a health-insurance company.

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He has shown interest in a federal version of Georgia Works, in which that state pays for unemployment insurance beneficiaries to train for up to eight weeks with an employer.

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The government developed the scheme in consultation with the insurance industry, and works by allowing citizens to select coverage from a slate of approved plans.

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Like many other financial product firms, Guardian works through agents and brokers who have their choice of products such as life insurance and annuities to offer customers in addition to a proprietary channel.

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We've seen it happen -- when insurance companies invest millions and millions and millions of dollars in advertisements to stop something from happening, that works against you, too.

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Amy Bach, executive director of United Policyholders, a California-based advocacy group that works with consumers on claims after disasters, said higher deductibles weaken the value of insurance, especially when premiums don't go down.

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