There's no such thing as altruism.
You want 21 percent risk free? Pay off your credit cards.
The life insurance industry is filled with good people who believe in their work and their companies, but who may never have challenged the assumptions underlying their efforts.
Life insurance is a commodity.
Now listen. You can't fool all the people all the time-- but I want you to try.
Hay fever suffers tend to be above average in intelligence.