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After the 1994 Northridge earthquake, nearly all insurance companies completely stopped writing homeowners' insurance policies altogether in porcelain tub refinishing kit the state, because under California law (the "mandatory offer law"), companies offering homeowners' insurance must also offer earthquake insurance. Another example is the legal infrastructure which allows life insurance to be held in an irrevocable trust which is used to pay an estate tax while the proceeds themselves are immune from the estate tax.
Criticism of insurance companies
Some people believe that modern insurance companies are money-making businesses which have little interest in insurance. The first volume of Marx's major work, Capital, was published in German in 1867 Texas, Beverly Hills
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