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It never makes sense that you can pay a fee and suddenly become an expert in some field. In other words, I know Excel folks who want you to believe they are telecommunications gurus and I know that all they know is what Excel tells them!

The old A.L.Williams insurance company was a great example of this. They grew selling a perfectly legitimate idea - that a person would be better off buying term life insurance and investing in a mutual fund at the same time instead of buying whole life insurance. Generally, that's true. What they neglected to tell the unsuspecting customers turned salesmen was that their own term insurance was among the most expensive in the business and their own funds had the highest loads and some of the poorest returns.

Primerica is a similar deal - join us and you can advise people on their finances. No thanks.
 
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