Seems reasonable to sell secondary "insurance" over the phone pending a signed application.

Right, and you can join the AMA by skipping the phone process and simply filling out a SIGNED aplication and sending it to them. Less paperwork all the way around.

Taildrager,
As for "stupid", I suspect anyone who doesn't agree with your opinion is labeled by that name in your eyes only.

As for your homeowner's insurance covering R/C activities, you'd better check the policy. You may find a special rider is needed, along with a payment increase for the extra coverage. If I were a club officer, I would HATE (read NOT) to individually check 20-30 different member's insurance policies to verify the coverage.

Dr.1