Simmons is blunt that, at his company, only the superrich need apply. (If that's not you, feel free to compare life-insurance quotes with MSN Money's form.)

"It is not for everybody," he says. "People of a certain economic level should be buying Volkswagens, and they shouldn't be getting a Rolls-Royce."

In keeping with assumptions you might make based on his public persona, it doesn't take much prompting for Simmons to veer away from the dry selling points of insurance.

The word "premium"? He hates it, considering it a "soft sell" that avoids calling it what it is -- "money, writing a check."

"I hate fine print," he adds, building a head of steam. "I hate it. You can't even go in and buy a car. The sticker price is $25,000. But, by the time you leave, it is $31,000. Why doesn't it just say $31,000 as the full price? Because they lie, that's why."

A mention of the estate tax, zeroed out last year and back at 35% for this year and next, propels him even more into invective.

On the national debt:

"Between bailouts and schmeckle-outs and all the outs that the government has gotten involved in, big government is now bigger than ever. You no longer need mommy and daddy to wipe your butt; you've got the government to do that every time you do something wrong."

On tax policy:

"They've got to get the money somehow, and they are going to get it, trust me. How are they going to do it? It's Robin Hood time. Somebody's going to take from the rich and give to the poor. The American Dream -- work as hard as you can and enjoy the fruits of your labors -- is not really true. Under the present administration, which I voted for, a more accurate description is, 'Work as hard as you can and when you finally gain the rewards of your hard work, we're going to make sure a lot of it goes back to everybody else.'"

On jobs:

"If we don't leave the rich alone, and I'm talking as a poor person who worked his way up, they will move to Sweden or someplace else. Keep beating up the people who create jobs and watch them go offshore. Everybody is shocked when you pick up the phone to order a magazine subscription that the order fulfillment is in India. Everybody's shocked when that happens. Well, keep beating people up who create jobs and see what happens."

On challenges entrepreneurs and small businesses face:

"I want to start a business, so I go and I borrow and get myself deeply in debt. I'm going to make 'popcorn farts' -- that's going to be my product. I have to pay rent or buy a building. I'm on the hook for that. I have to hire people, I have to pay their salaries, worry about their retirement plans and, in case one gets pregnant, I have to worry about the pregnancy plan; I have to pay for their vacations and overtime. Then, I have to buy equipment and insure the place.

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"Finally I make the first popcorn fart. It costs me a dollar to make, that's the cost of goods, and if I'm lucky I can get $1.40 to $1.50 for it. The store, the distributor and everybody else will make much more than I do, and all they do is sell it. Everybody else gets paid first, if there's a profit I get paid last. If the business goes under, I am fully on the hook for it. And, after I make my first dollar, I have to give 50% to the government if I'm lucky. After that, if I want to leave it to my heirs I get beaten up again. At what point do they just simply come clean and say, 'I have a gun to your head, give me your money.' The capitalist system is not in good shape. The American dream is not what it used to be, and that is why the people who become high-net-worth individuals have to be much more diligent that they ever have been before."

This article was reported by Joe Mont for TheStreet.