There is a saying in the insurance industry – “If the only tool you have is a hammer, then every problem looks like a nail.” There should be a comedy show about many insurance seminars. Insurance advisors are trained to “Create a need (for insurance) and then fill it.” and “What Find a scab and then pick it.” Universal life (UL) is one of those products that I believe is vastly overused. It takes a bit of work to invent a need for it, but with some practice, it is often sold anyway. Read more…

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