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He has devised an entirely pointless welfare uprating bill that enshrines a three-year 1% benefit rise, well below inflation, that he thinks will snare Ed Miliband into seeming to side with the workshy.
Or you could leave the policy in force as part of your estate, letting the death benefit rise over time.
The trade-off was that, unlike old-fashioned whole life, the effective premiums for the universal policy death benefit rise as the policyholder ages.
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That benefit rises to $350 for households in the 35 percent tax bracket.
Cuts to welfare payments, jobseeker's allowance changes and below-inflation benefit rises.
Child benefit rises from £18.80 to £20 (for the first child) from January.
The numbers claiming benefit rose by 32,500 this month, the largest increase since December 1992.
When the coalition capped benefit rises at 1%, it was not, in the main, the jobless "shirker" who suffered.
The number of people out of work and claiming benefit rose above one million for the first time since the 1930s.
The number of people unemployed and claiming benefit rose in May by 9,700, the biggest increase since December 1992.
On top of this came news from the US that new claims for unemployment benefit rose 18,000 to 460,000 last week.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com