Per the below article on the distorted behavior created by commissioned salespeople...--I'm not sure up-selling and mis-representing does backfire enough. That is why, especially with ultra-high-ticket products, like insurance, cars, your retirement--you just can't trust the seller. Just like you don't go into the grocery store and ask the meat department supervisor for their advice on how much meat and what kind you need, you should not rely on the insurance salesman to figure that out for you.
It is crazy to use anything but a fee-only Financial Planner.
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