Hey I think its kinda worthless to have insurance on loanshark loan becuase, you only get paid like 70 points a week, so say you got a 5k loan on default, getting paid 70+ points every 7 days will take like a year to completey get paid back thats dumb lol....plus all the fee we pay the 1% now it basically evens out, I think instead of you paying us points back from insurance we get carbon freeroll coupons and insurance....its almost not even worht loaning, its pointless....