It is not whether or not I feel the policy can be one of many viable policies in the marketplace...of course it can....but whether an Acsia agent can perfectly exist in the marketplace without all policy options, and of course the Acsia agent can. If LTCFP existed without Genworth for a decade, then of course the ACSIA agent can do perfectly fine today with Mutual of Omaha, Lincoln Moneyguard, Transamerica, and LifeSecure and whatever else they might have. Just because you and I have more options, the truth is most agents and financial advisers have only 1 option they recommend to everyone.
