Sorry, Lawrence. The new system doesn't allow edits to messages to fix typos (as you may have realized if you tried to fix 'seizue' in your message :-) ). 

If I were thinking about putting my money into insurance stocks, I would acknowledge there is a non-zero chance that those companies may have a reduction in revenue in the near future and look for a discount on the stock price to match... but right, it is difficult. Just as it was probably difficult to estimate the risk of investing in incandescent light bulb manufacturers. My own business has a high risk of being obsolete in five years... you just gotta plug along and plan accordingly! But I don't see the loss in stock price as a reason to change government policy. When Obama curtailed student loans to for-profit universities with poor rates of graduation, this was a good thing even though it essentially put some companies out of business and caused losses to stockholders.