Thanks to everyone for their prompt informative replies to my post. As I had indicated in my original post I have not even started to look at insurance and insurance decisions. In one of the BJ books I read the author seemed to indicate that there was only a small percentage fraction to be gained playing with insurance as opposed to not using insurance at all. This is one of the reasons I have not concentrated on insurance; because I did not think the gain was worth the extra complexity. But, now that someone has brought the subject up I would like to hear some other opinions about playing with or with out insurance. In other words should I worry about insurance and make a concerted effort to learn it or does it just complicate things for an insignificant gain?

Thanks

Night_Rider