This would appear to be the upshot of a new report out of InsuranceQuotes.com, a subsidiary of personal finance website Bankrate.com (RATE). Says InsuranceQuotes.com (we'll call them "IQ" for short), ...

There's an old Irish blessing that says, "May you be in heaven a full half hour before the devil knows you're dead." But even if the devil doesn't know, the government does, as do insurance companies, ...