I assume from the name that the author is a lady - and from the entirely one sided critique - that she is also a pretty opinionated and uninformed one at that!... Well lack of information is not a crime... but ppl like this should not set out to offer "SOUND" advice to others equally clueless ..
For her kind information - Insurance products straddle the entire spectrum of both coverage and returns... coverage from ZERO to whatever the client wants.... and returns from ZERO to as high as 50% ANNUAL in some cases!! ... With payment terms ranging from ONE year to a LIFETIME!
The fact of the matter is that most ppl - like our author - are clueless about the scope of the business - .. and in all fairness it has been the endeavour of all life insurance companies to put out competent and trained advisors to EDUCATE customers on the subject more than sell!! - Sometime we succeed and sometimes we fail!
