This year some insurers are loading premiums heavily while others are hooking policyholders with low premiums, and then loading them later for just about anything, including minor speeding tickets. The best at the moment seems to be LV, which is a mutual and therefore does not have a first duty of returning a profit to shareholders or to private equity fund investors. But it, too, might be 'buying business' just as Equitable Life attempted to do prior to its demise.