There is a new gimmick going around the insurance business that Clark is not sure about. He’s been trying to figure out if it’s a deal or not. Basically, you buy an all-in-one policy that includes auto, homeowner’s and life insurance. Metlife calls its plan “Grand Protect” while AllState calls its “Encompass.” Companies have been rolling them out state by state, so some newspapers have started looking into them. Turns out that these plans cost significantly more than buying individual policies. So, look into them seriously before making any decisions, and Clark recommends that you say, "Thanks, but no thanks."