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Agent86 good use of numbers to make your point. But it only takes into account premium paid in first year. Subsequent premiums will also be say $2800 so after 3 years they would have paid initial advice fee of $3200 plus 3 x premiums @ $2800 for a cost after 3 years of $11600. This is better than having paid $4000 each year for 3 years. And for every year after 3 years they continue to be better off...