Complexity of Insurance

Insurance has evolved too much until basically the typical Man in the Street will not know what he is insured for as there are too many types and variations of insurance.  Therefore it is very likely that a person may under or over insured himself or buy policies that are of no real benefits to himself.   Nowadays insurance are crafted as much as possible in standard English rather than any technical or domain jargon.   The insurance agencies had understand this the hard ways when judges ruled against them when they themselves do not understand what they are reading.