As competition intensified in the mid-2000s, many life insurance companies launched an unprecedented war for customers, offering benefits they now acknowledge were far, far too favorable.
Advertisers argue there are benefits to more efficiently targeting customers, but I believe these benefits fail to acknowledge the downside consumers face.
Even strong advocates of the bill's creation of a right to sue HMOs acknowledge that rates will likely rise as health-care providers pass on insurance costs to customers.
The new assertiveness comes as tobacco analysts have started to acknowledge that growing demand for "e-cigs" in the US is peeling away customers from tobacco giants such as Altria, Lorillard and RJ Reynolds.