Onto WL now, How much DB for 10k?

[pfg1]

Very clever sending an illustration for a 5 year old. I don't need this sh*t. I can afford a fee only insurance agent to answer all my questions. I am so out of here but you will be here all your life, scagnt83. Fat and Unhappy!

How will you know your fee only guy is giving you the right info? There are so many options when it comes to designing perm life, imo if an agent, advisor, or fee only agent doesn't do it regularly with real live cases....there could be a better design option than they know. Probably 90% of the active agents and advisors out there have no clue how to properly design perm life policies. Heck, some of the home office folks can't even do it correctly.