re: Why do people think that they can lie to insurance companies?

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If you don't live in TN but you work there, how do they rate you for your own policy?

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Depending on the policy you're looking for, you can usually choose which state you want to enroll in, as long as you work/live in that state.


The same isn't true with health insurance, which is another stupid state insurance law.


If health insurance companies were allowed to compete across state lines, health care costs could be reduced significantly.

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If you can rate differently, what state is the best for costs and which is the worst for premium cost if you are "on the border" as you imply you are.

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Again this varies by type of policy, with life insurance, your state of residence doesn't make much, if any, difference.