The way I view the Favors as Gobert insurance is kind of like how I would view a job that gives you a short-term disability benefit of 20% of your salary. You'd be afraid to go out and find another job that pays you 35% more but doesn't have a disability policy because "you may need that disability policy." If you need that policy, you're screwed regardless, because 20% ain't paying your bills. You may as well go out and earn more money rather than staying put "just in case" you need short term disability.