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So you are suggesting that the actuaries who price products are the same people in charge of investing the life insurance company's reserves?
The short of it is I have had a life company go into receivership... there is risk... and I weathered 07 and 08 and saw that through... regardless of who is counting the beans and what beans they are counting... the ship that cannot sink may get a hole init
There are enough folks running life insurance companies, and making sure they are profitable, that they don't need help from the agent community.
They stopped getting my help when I stopped selling their products...
Furthermore agents are the ones who make the bottom line... they need our help on a daily basis...