Naomi Kelly has kept up her life insurance, paying $26 and change every year since she bought the policy in 1953. The 81-year-old mother of three never guessed that the premiums she started paying in her early thirties were higher than normal because she is black. That is, not until a check for under a dollar arrived in the mail just over two years ago, an "adjustment" to correct a badly calculated rate. "A review of our records," the letter accompanying the check said, "indicates that the premium you are paying was priced using race as... More >>>