A reader sent 10 benefit illustrations from two insurance companies and asked me to analyse them, and recommend which plan offers the best value. I replied to ask if he is willing to donate $50 for each benefit illustration that I analyse. I never heard from him.
The insurance agent who sent prepared the computerized benefit illustration will earn a few hundred or thousand dollars from the consumer. The agent should be the person who spends the time to explain and guide the consumer to make the right choice. It would be unfair for the consumer to expect Mr. Tan to spend the time to read 10 benefit illustrations and give advice for free.
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