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"Door-to-door sales of low-value life insurance has been an area of scandal since the last century, and it continues today: unscrupulous agents rove poor neighborhoods cheating and stealing (from) those least able to afford the ripoff or do anything about it. Most state regulators, and consumer advocates, do little about the problem, preferring to concentrate on the middle- and upper-income market -- the market most voters and contributors use. That leaves poor Americans at the mercy of dozens of small and large insurance companies in the low-value, door-to-door market."