The grandparents say Brown suffered multiple gunshot wounds, including in his groin, leg, arm and abdomen, but was awake when he was transported to the hospital.

A knee to the groin follows, and while the attacker doubles up in pain, you twist the gun from his hands, smack him in the face with the barrel and back up, keeping the weapon trained on him.

That wait to insure strategy makes sense if the medical condition is a chronic disease like diabetes or a condition requiring surgery, like cancer or a hernia. In either case, the individual would be able to purchase insurance after he or she receives the diagnosis.