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Well, how could they rip you off? Maybe for to begin with five connected with the policy, no cash value will accumulate (you may want to check your policy).

It can be misrepresenting the price of the return (this is actually if the client is not knowledgeable on exactly how s work).
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But like almost every other financial planning decisions, have to make some assumptions or best guesses about foreseeable future.
And, of course, if you might have any questions regarding liability and bankruptcy, be certain to contact a skilled bankruptcy attorney in your area.