With a series of studies showing that way too many Americans are clueless when it comes to the financial basics of day-to-day living, it's no wonder hardly anyone understands insurance, let alone appreciates how much value the industry offers to this blissfully ignorant society.

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"The upheavals in the financial markets have made us newly aware of how much depends on our financial security--and also how little most Americans understand about financial markets, or even personal finances," according to Maurice Black and Erin O'Connor, research fellows at the American Council of Trustees and Alumni, writing in the March 8 "Newsday." (Click here for the complete article.)

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