Copy of e-mail sent to State Farm Insurance Nov 9, 2001

I have been a State Farm policy holder for over 40 years.  I want to explore the possibility that in 5-10 years State Farm could offer an exclusive Life Warranty. This Life Warranty would be an enhanced form of Life Insurance, with extraordinary efforts made to protect the policy-holder's life.

Specifically - an emergency medical services unit would arrive within 5 minutes in most urban and suburban areas of the U.S. and within 10 minutes in most rural areas, including islands and mountains.

The Skyaid Watch warn by the policy holder would automatically call for life in case of sudden cardiac arrest, stroke, many auto accidents, etc.

The Skyaid Watch would also have an emergency call button.  The Skyaid Watch would use meteor-burst communications to achieve 100% alarm coverage anywhere in the US with only three radio communications base stations.

The EMS vehicle would fly at 300 miles per hour while going to the policy-holder and while bringing him to any appropriate critical care center: trauma, heart, stroke, etc.

- Since there is only a single stroke critical care center for all of Washington, Idaho, and Montana, 
   fewer than 5% of the stroke victims get proper treatment.

- 40% of victims of sudden cardiac arrest die because the arrest occurred while they were alone.

- an additional 40% of victims of sudden cardiac arrest die because the EMS unit 
    took too long to respond which is typical in most suburban areas

- Stroke is the primary cause of disability in the U.S., and the third leading cause of death

- Heart Disease is the primary cause of death in the U.S.

The Life Warranty would pay the survivors if the policy holder should die, but would focus on preserving his life, not just insuring it. Not counting hospital costs, the cost of the Life Warranty coverage would only be $10 to $20 a month more than Life Insurance.