Shaking my Head Today

So, I receive a call from a 68 year old widow that states she wants to buy long term care insurance.



In our discussions, she reveals her financial advisor wants her to reposition $50,000 in Lincoln Moneyguard.



And she reveals an ACSIA agent had applied her to Life Secure.



I ask her to tell me her net worth.



She replies $80,000. Total.

Fixed income of $3500 month.



I state emphatically to her I will not apply her for any long term care insurance product. Not suitable in my eyes.



Now, obviously any financial adviser that would move 63% of liquidity really needs to have

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