I wish to recommend this article to the lay person. It is about managing personal risk and the importance of having savings and getting an adequate yield on the savings. Many life insurance agents will give bad advice to consumers and get them to buy a life insurance policy that gives a poor yield or charges too much for the insurance cover. The agent has a conflict of interest. They can earn a higher commission by selling an expensive policy to the consumer.
Read the relevant FAQs in my website, www.tankinlian.com/ask.aspx. Read my book, Practical Guide on Financial Planning (click on iShop at the right panel).
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