（外文电子版资料）Who Needs Insurance by Robin Scott.docVIP

Insurance is of course a form of gambling, with the odds carefully calculated so that the house always wins since the insurance companies always make a profit no matter how much they pay out during the year. If we could read the future and discover when we were going to die or when our homes might burn down the insurance companies would be out of business within a day. Another thing that might cause the companies trouble would be a safety-prone, a man who would be the opposite of an accident-prone, an individual who never got into trouble. With realistic appraisal Mr. Scott examines just this interesting problem. Robin S. Scott WHO NEEDS INSURANCE? Ive always been a pretty lucky guy. I dont mean at cards or even before Marty with women. Just lucky in the sense that my ration of ill fortune has always been slight. All my life I seem to have walked dry through the shower of vicissitude which seems to be the normal human lot. I never broke a bone as a kid or had more than the usual run of childhood diseases. I never piled up a car, or had appendicitis, or suffered food poisoning, or got cleated by that vicious fullback who played for Carroisville before they threw him out in 1941, the year I graduated from Mumford Junction. And because there are lots of others Ive known who seemed lucky in this way, I never suspected my luck was any different more than just plain luck” even after the Ploesti raid. It wasnt until Vietnam that I became convinced that my luck was really out of the ordinary, and even then I didnt really understand it. I never would have known what it really amounted to if it werent for Marty. But Im getting ahead of myself. Ploesti was a simple enough thing. That I survived the raid was good luck indeed, but not unusual good luck. Lots of others survived, too. The unusual part was the way I survived. I was copilot of a pretty rickety B-24 attached to the 389th Bomber Group, which, we discovered later, had somehow slipped through its last maintena