Most card companies exclude fancy cars from their agreements, place country restrictions on insurance use (usually declining to cover cars in Jamaica, Israel, The Republic of Ireland and Northern Ireland) and cap the number of insured days at 30.

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According to JD Power and Associates, ownership of life insurance policies has been declining over the last couple of decades, leaving 50 million Americans without adequate life insurance coverage and 40% of adult Americans having no life insurance at all.

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States would also have to demonstrate that the number of children in the state who are covered by private insurance isn't declining.

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