Many readers dare not ask the agent to explain the key questions. They are confused by the explanation given by the agent. They sent an e-mail to me for advice.
My usual reply is:
> The agent can earns $1,000 or more to sell a life policy to you
> The agent has a duty to explain the product clearly to you
> You should ask for explanation on the Benefit Illustration
> Ask for the explanation in writing
> You should never buy the product, if you are not clear about it
> I am not able to give personal advice to you
> You have to make your own judgement
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