No evidence to support that this works any better than E&O.
How are you going to pay for your home, health insurance and retirement when all your income has been stolen by a settlement which has a court ordered payment monthly.
Here is how… Mortgage the home, pay a portion from the monthly income from the retirement account, and hope like hell you don’t get sick so you can work till you die to pay it off. Reality bites. Get a grip, nothing can protect you from the evil of this sue crazy nation.
Do you have any hard data about this?