Archive for November, 2012

The Problem with Spreadsheets and Commoditization

November 20th, 2012 3 comments

Recently I was brought into a case by an estate planning attorney who had relatively young clients who handed over an insurance policy and said “Tell us if this is good”. Given my specialty in policy analysis, consulting and second opinions, this is a pretty common occurrence.

The short story and the simple response was that the policy was only a couple of years old and it was a guaranteed survivor UL from a reputable carrier and it was doing fine. If they kept paying the premiums on time then the death benefit would assuredly be paid someday. Read more…

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