What's Wrong with Life Insurance: A Report on Our Biggest and Most Wasteful Industry"" poses the question: Is life insurance a business or a social institution? Former champion insurance salesman Gollin answers in a clearly composed manner that it is both. Thus, on the first count, it is subject to the needs of good and efficient management which it now lacks and, on the second, a more honest presentation of itself to the public as well as a reduction of needlessly high rates. More high-toned how-to text than expose --although Gollin's description of the poor fish salesman can make one shudder--this guidebook to the pitfalls and benefits of life insurance even offers a smattering of the sociology of buying and dying on its way to helping the reader map plans for checking out.