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How Low Commission Life Insurance Products Maximize Returns

By now we all now the problems with permanent life insurance: low returns and high premium costs. However, these poor returns are largely due to the large commissions paid to agents who sell these policies. In our previous post (see here) we discussed how most life insurance products impose high surrender charges on policy owners if they cancel the policy. They do this in an attempt to recoup the high costs associated with paying the life insura...

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