When I was an agency creative director and, later, a freelance creative director and copywriter, I worked on quite a few insurance product projects. I used to joke that insurance companies put 50% of their efforts into selling policies and the other 50% into getting out of paying for claims. Sadly, that's not a joke in this case. Shame on Tower Insurance. I sure as hell wouldn't want to have one of their policies and will avoid them like the plague.