Our current generation of seniors, it's very difficult for them to even think of paying that, especially those that don't have that kind of money. It will ultimately save them money. It will, but it's not going to be the biggest money saver I've ever seen.

It's important to sign up now. You carry car insurance. You don't ever think you're going to have an accident, so what are you paying for? That time when somebody backs into you and you need the coverage.