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National Agents Alliance junk mail information
The "Mortgage Protection Center" solicitation you posted comes from:
National Agents Alliance
215-C Altamahaw Union Ridge Rd.
Burlington, NC 27217
Telephone: 800-209-2655
Local Phone: 336-421-5235
Website: www.naaleads.com
All information about your mortgage is obtained from the local courthouse records by a researcher paid by National Agents Alliance. That is why the letter clearly states "Loan information obtained from public sources and not provided by any lender."
Low cost 30-year level term life insurance is sold with an optional return of premium rider. Much of the insurance sold is provided by Fidelity & Guaranty Life (Baltimore, MD) a subsidiary of Old Mutual Financial Network
www.omfn.com
The same return of premium policies from F&G Life are also available through SelectQuote and other similar websites. There is no difference in premium between purchasing through SelectQuote or purchasing through an individual agent, as you already know.
National Agents Alliance is one of the largest independent insurance marketing organizations in the U.S.
Their goal is make sure that families don't lose their homes in the event of the early death of one spouse.
Many people rely on employer group term life. If they get sick and have to quit, they find themselves unable to obtain coverage.
Other people simply don't carry enough insurance to pay off the mortgage, and all the debts.
If they have enough insurance, they don't respond to the letter. If they need insurance, the letter provides an easy way to get a quote on a policy that is low cost.
If they have health problems, which many people over age 50 have, then they may need some assistance in finding the lowest cost policy because different insurance companies will view a particular condition different ways.
Do most people realize that they can get $250,000 for same cost as $220,000 because of banding? Can a good agent save them money? You decide.
And yes, I'm an agent with National Agents Alliance.
I stumbled across your blog while searching for information about a competing marketing group, Affiliated Mortgage Protection from Union, NJ.
For those of you who want information instead of cheerleaders or vitriol here is the information you need. There are three types of insurance being discussed here- life, disability, and homeowners. To be fiscally responsible, whether you own, rent, have paid for, or even live with someone, you need the first two. If you don't know what life insurance is, well... You do need a minimum of $250K, more is better. Buy the most you can. Yes, with whole, dependng on how long you actually live after buying the insurance. If you have more than $250K in savings, well, you could get by and if you are at that point, you probably have no need for life insurance. The second type you need is disability insurance. This is in terms of percentages of your wages. Buy the most that you can. Finally, if you are a homeowner, you have to have homeowner's insurance. As far as I know, no true bank will give you a mortgage without the insurance. Of course back before the sub-rime bubble burst, who knows what was going on. The *bare* minimum you need is the amount of your mortgage- not the value of the house. You really want about twice the amount of your loan, at least $100K for personal effects, a separate clause for jewelry if you own more than $10K of that, and you can even get a computer rider! lol Seriously- we have that. Well, whatever- looking at some of the poor grammar, spelling, syntax, wrong homophones used, etc... you guys will need all of the luck that you can get! haha
When you get one of these letters, do not throw it away. Do send it back in the prepaid envelope but just write "No thank you!" If everyone did this, they would stop sending them because each envelope being used will cost them the postage!
Love the idea, if I were a higher up in the company. A good friend swears by them. Runs an NAA office out of Connecticut. My question is why buy a policy from a fairly new, and very scrutinized company? There are much better insurance providers out there. Yes they may be more expensive at times, however you are paying for their strength & financial standing. I do not believe NAA will last more than 25 years.
I would at least consider looking at some legitimate companies. Try Northwestern Mutual, or Mass Mutual. Like I said you will pay a higher premium, but the products are much better and the financial strength of the companies should be enough to justify that. NAA will make some people money, but that comes at the cost of providing a "B" class product while there are "A" class products available.
Regards.
When I read this stuff....It make me want to scream...How in the world would you want to post this type of negatives comments when Andy Albright helps so many families and agents like myself protect their homes in the event of death.
I wish you would take your comment of and call me...I will show you what NAA is really all about.
Thanks for your time
"Les" Caldwell
Apparently you are not knowledgeable about what or who NAA actually is, as evidenced by your comment, "I would at least consider looking at some legitimate companies. Try Northwestern Mutual, or Mass Mutual."
NAA is an Insurance marketing organization and NOT an insurance "company" so comparing them to Northwestern or Mass Mutual is apples and oranges. NAA provides a service by bringing licensed agents representing multiple "A-rated carriers" such as Mutual of Omaha, ING, Foresters, Old Mutual Insurance....etc. together with people who are searching for and in need of insurance coverage to protect their homes, families and such.
Premiums are based on the coverage provided and may vary depending on the insurance carrier (company) so your next comment, "Like I said you will pay a higher premium, but the products are much better and the financial strength of the companies should be enough to justify that." also is incorrect because it is the actual insurance carrier that determines the rate and they are all top-rated, financially strong companies providing "A" class products.
The material and job these people do is important, not everybody takes the initiative to go buy the things they should - because nobody likes to think about not being here tomorrow.
I wish my brother would have taken the time to do this, as it turned out his family needed it. He went to work one night and never came home and was the sole money earner for his wife and 2 children. I can tell you first hand that they were not prepared and if this "junk mail" finds it's way to a family to prevent what my sister-n-law and kids had to face following their tragedy then I say keep sending it.
If you have the forethought to plan ahead, good for you, but there are families out there that don't think they can afford anything, when maybe they can afford enough to not lose a house and face creditor calls everyday while they are rebounding from the gut blow of the loss of their spouse and Dad and try and get a job to keep from losing everything.
So stop your whining about receiving junk mail - at least you're still here to get it!
Solicitation is fine... but why the deception? THey don't say the name of the company, they don't provide a phone number or a mailing address. They try to trick you into thinking it is a note from your mortgage company that requires a response. I find it to be decietful. Insurance is a good and necessary product, but there are way more honest ways to sell insurance. Besides the huge waste of trees. I personally would never consider using this company just based on their deceitful approach. Love the supportive shills on this site as well. Nice try...
I agree with the above comment posted 05/0/2009. I recently took out an equity line of credit on my house because my partner and I wanted to bid on a home in Oregon for a rental in August 2009. What really ticket me off that the address label clearly stated the bank and the amount of the credit line for all the world to see. Is that in bad taste or what. I wrote them a letter and told them what I thought of them.....
I had to respond to your unthoughtful approach. There is nothing at all deceitful about any of the marketing from National Agents Alliance. There is no company information to declare as they are a MARKETING company (my Dad loves to remind me that marketing is simply the way to get butts in seats). NAA and their field underwriters clearly declare which of their 13 contracted companies they are recommending to their prospects during their face to face appointment. There is no way to predict which company will have the best fit for the family until the field underwriting questions are met.
Two thirds of our American families do not carry enough life insurance; and more than half of all foreclosures in our country is caused by death and disability. NAA is on a mission to protect those families. The letter is not pretty ... it does not promise a toaster if you send it back. It simply advises that the family now may qualify for a unique program ... and if they are interested in more details, they are invited to send it back.
I would gladly see a hundred trees killed to save a family from financial devastation.
I am a very passionate NAA Field Underwriter. I just lost a client last night to a house fire. Because NAA killed a tree, and mailed the letter to them ... because they sent that letter back to us ... and because I was able to help ... this family will have a new home that is a paid for place to live. I cannot replace the loss of the beautiful Wife and Mother who was killed yesterday, but I can leave behind a legacy for her in that her kids will have a place to lay their heads without financial worry.
Your family may already be enrolled in an escape plan for a tragic day ... if so, you are in the minority ... and I thank you for caring enough about your family's future to plan ahead. The majority of your neighbors and friends have no such plan ... send them to me, and I will help them as well. www.jen4life.com
The way you have handled your naysayers has impressed me enough to ask for your assistance. I would like to know more info. about this company and I would appreciate hearing it from you Zack. Please contact me at sblack1511@gmail.com. Thanks.
I''d like to speak with him as well....
Well, lets see here. I just received information on the company by actually filling out the form. Unfortunatley, they were a bit too late on calling me back because I did lose my job, and if I did have that insurance I may not be in the situation I am in now. Upon reading, I see that many other people are annoyed by junk mail, hey Publishers clearing house does it, the grocery stores do it, even the ones you don't shop at! I understand that there is personal information in it, but thats why we all have shredders now a days. You have to shred everything, every bill you pay, bank statements ect.... The gentleman that conacted me was nice enough to tell me about the company and the position. He called to give me info for the insuranse but was nice enough to ask what am I doing now for work. The presentation of the company was grea, and yes, they did state that they send out a ton of mailings. Well most companies do. Why is your personal info on there, I do not know. But I do know, that if I had this coverage prior to losing my job and had not thrown out 20 of the mailings prior I just might be covered right now. I may become an agent for NAA and hope to help some of you prevent the same situation from happening to you.
take care, p.s Nice, Nice work Zack!!
It takes me 60 seconds to go through my mail. I know for some of you that may be hard to believe, but it's true. I always throw out my junk mail. Why? Because I'm not interested in any of it. Now get this: I am a builder in Michigan that is dying a slow death and I read a piece (of so called junk mail) mail that said I could get additional insurance in case of disability etc. I decided to send it in because I thought it was something I might need in case it all falls apart for me in this economy. The NAA agent called me, we met, and now I have the information to do what I please with. I did not sign up yet because I am undecided. I am also looking into joining their company. All I'm saying here is you are given some information to either read or discard or both. If you don't trust it toss it. Don't make a federal case out of it.
Yes your master agent will steal your agents. They do not care about you just what are you doing for them...are you making them money if not they say well i will work with your people to help you. Then they are direct to them and you are out. Go NAA.....I know ask the connors agency they like to steal people.
Zack, just curious. What kind of contract level are you working on?
So many on hear what they are talking about. Some azz whipe was saying he has enough homeowners insurance. NEWS FLASH...Its term life insurance with bells and whistles to look good. If you wnat areal policy call the leaders..New York Life.
Mortgage coverage is worse because it's *decreasing* term. You pay the same payment over the life of the loan, but the benefits paid out are reduced as you pay down your mortgage. When you pay for level term, you pay the same thing every month and your benefit stays the same.
As for New York Life, if you're alright with paying double what a term policy is every month, and then extra on top of that for getting the name brand of New York Life, sure, go that way. Just remember the so called "savings" in whole and universal life don't get paid out in addition to the face value of the policy. If you build up $50,00 cash value in a whole life policy with a face value of $250,000, your beneficiary still only gets $250,000 when you die and they *keep* the $50,000 that you paid *double* per month to save. At least if you put the other half in a retirement or savings account, your beneficiaries would still get it even though they have to pay taxes on it. I pay half per month for term life and save the difference on my own.
NEWSFLASH:
Almost nobody offers Decreasing Term policies anymore. The last company NAA works with that offered it was Old Mutual, and they did away with in Aug. 2007. They costed they same so nobody bought them (duh). All of the Mortgage Life policies offered by NAA agent's are Level Term policies that require no physical exam (if a person is in relatively good health), so we can get people approved who have High Blood Pressure, Cholesterol, or Diabetes (non-insulin) without taking the risk of them having a poor physical exam and being up-rated or declined. We have a much higher approval rate with the non-med policies. At the same time, those who are in excellent health and qualify for "Preferred" rates, we can write fully underwritten Level Term so they can take advantage of getting the best rates.
Quick question, if the policy you sell to the individual for home protection is valuable, I'm curious as to why you dont go direct to the ins. company so that you retain the renewal premium as well. Is the fronting of 1st year commissions attractive to you?
It's sad that people are complaining about ONE businesses junk mail, like thats something new.
If you don't need the product, toss it.
the problem with junk mail is not the annoying arrival of unwanted envelopes,it's the intrusion of privacy and a sacrifice of anonymity.
Douchebag!
Keep sending letters that are full of my personal information.
Keep sending paper that wastes our natural environment.
Keep trying to trick people into wasting their money on scams.
Wake up asswipe! If someone wants the product they can look for it.
Stop wasting our time, money, natural resources, and security.
Unless you work for the Government, your company has a sales department or marketing department to promote their product--just like the NAA does for its agents.
Intelligence is seeping from your post. FYI, believe it or not, a lot of people don't even know where to start when purchasing insurance; which explains why such a gross number of Americans are under-insured if they have any at all.
always can tell if it is worth listening to an individual by his blog. what is the need to call some one an asswhipe? you state ur opinion, they state theres, everyone is has there opinion, no need to become defensive, lol. makes it difficult to side with someone who does that, you appear to just be a lil insane ya ask me, and most likely just have a personal vendetta. hmmmmm. just a thought!
This information is great; thanks for posting Zack. Once we've considered what your company has to offer, and possibly decided not to go with your product, how do we unsubscribe or remove ourselves from the mailing list? Thanks!
...It is possible to be removed, but it may be. Since it's public record, I think your stuck. I don't like junk mail either, but is it really worth your time and effort?
that is what LLC's are designed to do,protect your identity and keep people at a distance for legal reasons and also personal reasons. every time someone's personal information is sacrficed it is one more step towards someone else taking control.or in other words, LESS FREEDOM.
It is when you get nearly 7 from this company a week....what a waste. I put all the contents back in the reply envalope and make them pay the postage...they end up paying twice....eventually they stop.....
Every time you send it in, an agent is charged the $20 or so for the lead. Not that it matters to you, but insurance agent's make a living off of the people who are interested and send it in for that reason.
I ran across this posting while trying to determine why I was getting a sudden onslaught of this exact type of junk mail. Did you ever have any success in getting off the mailing lists from this company? I would welcome any tips!
The number they have provided at the bottom of the form is bogus. I googled Mortgage Protection Center- Burlington, NC and found the correct phone number. Call 1-800-224-3522 and you can "opt-out" of their mailing list. We'll see if it works.
The fact that you automatically qualify this as junkmail concerns me. What you should be thinking about is most families are not covered with insurance, and the mortgage being one of the biggest debts and is something that a family has needs to be covered. Most families do not know where to turn or even think that if something was to happen to the breadwinner the other spouse will have to get another job, sell the house, move in with other relatives. The most important thing in my life is my family, and the last thing that I want is to leave my family with a burden of debt. It is a matter of caring about families, not junkmail. I am proud to be a member of National Agents Alliance, I have helped protect several families, and I can't count how many times they thanked me for calling them, they did not know where to go to protect their family. I hope I explained why we mail.
National Agents Alliance, Americans for the family,
If anyone has questions I'll try answer them.
Zack
Zack,
I'm calling it junk mail because the alleged mortgage described in the offer does not exist. I am retired and have my home paid off. This caused me great concern do to the possibility of identity theft. I have spent time this morning contacting the alleged lender to confirm there is no such mortgage and then trying to track down the source of the misinformation. I hope NAA paid a big price for fictitious information and that they will now go after whomever is responsible for causing me undue emotional distress. Please email me directly if you can indeed, help.
Jimmy
Zack, are you still with Naa?
I am thinking of joining NAA.
Can you give me your feed back Zack, Please?
Please e-mail me at JacobGonz@aim.com
Anyone with any info from working with Naa, please email me your feedback.
Thank you,
Jacob
Zack it sounds as if your clients need a financial education and not insuraunce from you.The message above this one states your insuraunce helps with the burden of debt,we all have debt.Is it your goal to invade everyones privacy and sacrifice personal freedoms because of a small percentage of people? I fail to see the reasoning behind your motives. the exploitation of information just might be the reason these very few are in a position where they need someone to help pay their debt.
If you look at the product it is called mortgage protection. This is a product that will be able to pay off the house so that your spouse and kids can stay in the house if you were to die. Would your spouse be able to keep the house if you were not around? How about grieving time that they will need if you died? Money stops when a life does. these products are to help insure that your companion will be able to keep the house and continue to live with what they are acustom too.
I have a mother in law that we had to give the house back to the bank and she now lives in a 500 square foot appartment, rather than the 2500 square foot house with a heated pool that help with her Fibromyalga disease. This is not a good situation and causes stress and burden on her extended family.
If her husban would have had this coverage, she would have been able to sell the house if she chose and moved into an assisted living facility. Not a super small income based apartment.
I was looking at joining NAA, and now that I see the ignorant posts on this web site, I believe that I will join them so I can put ignorant people in their place, and at the same time, educate them and have them be protected.
How exactly are you showing that you "care about families" when the letters that are sent imply that a Divorce Petition has been filed when in reality a home was purchased? Causing disruptions in ones home is hardly an act of caring. These letters are Unsolicited Junk Mail. Why is there no address, telephone number, License number,or agent name on the letters if it is a legitimate correspondence?
I'm doing research for long term career change. I have 4 more years to qualify for many enhanced benefits with my current employer and I'm presently in the high 5- low 6 figure commision income territory.
In 4 years I'll be 56 and I'd like to do another sales job that is less about prospecting and managing a complex business and more about following up leads, presenting in a collaborative manner, and making a nice income in a position that is a little less demanding than my current one.
I'm attracted to the leads, residuals, and selling an intangible people centered service. I'd like to talk with agents in your company to see if the recruiting verbage matches the actual job.
Thanks for taking the time to read my note. I can be contacted at jcohen3777@aol.com
Jeff I have sent you an email. If by chance you did not get it because of junk mail filters and such, my email is zackarychapple@yahoo.com.
I recently received the information in the mail, and like others, was curious so decided to research and found this blog.
I side with Zack - all companies solicit our business through mail, online, television, phone, etc. It is the way it is. And, there's nothing wrong with working on a commission and trying to sell your conmpany's product/s.
I just wanted to make a point that if you had actually read the Cease and Desist Notice from the State of Illinois, you would find that it has to do with the company apparently used the name of a lending institution in one of it's communications. The suit has nothing to do with the company's product or with any type of fraud or junk mail issues. If you're going to site something like this, at least tell the facts...
I'll be sending my documentation in to the company to find out more information.
ZACK,
This IS junk mail. Sending personal information in the mail regarding a mortgage that was obtained, even legally, is disturbing to me as a person who has recieved, not one, not two, not three but over 10 solicitations since re-doing my home equity line of credit. It is a pathetic attempt to prey upon people by harrasing mailers over and over and over AND IF not opened and destroyed, their personal information then hits the trash to be viewed by anyone and everyone.
Please don't hide behind "it's all public knowledge". so are divorces, unless sealed which is very rare (and costly)... but only wolves or unsuccessful life insurance agents whe are reaching for clients... go into the courthouse to get "public information" of this sort.
By the way, I am a 20 year veteran in the life insurance business who has never had to abuse the public knowledge system OR forward personal financial information to get clients.
Oh and funny how you forgot to mention the "Order to Cease and Desist" from the State of Illinois Department of Professional Regulation dated april 19, 2005!!!! hmmmm.....
Stephen P. Chiodini, Jr., CLU, ChFC
Insurance Agency Owner and MDRT member
If you don't like it, throw it away.
In no way is it harmful to you...get over it.
Go find something useful to do instead of complaining about the rain.
IT IS HARMFUL if the mail is going to a property that you own but do not live in. I have a rental property that I recently re-financed and suddenly the tenants started getting this type of mail with MY FULL NAME ON IT! THIS IS VERY DANGEROUS from an ASSET PROTECTION and LIABILITY standpoint. IF they want to send something to my BILLING address from the loan closing, that wouldn't bother me as badly.
Stephen congratulations on being able to survive in this industry for 20+ years that is a hard thing to do. You do get respect from me for that. Now that I have that out of the way I can talk about your comment.
We do not pray on people because if it was not something they were not interested 16,000-20,000+ families a WEEK would not mail it back to our company.
Stephen, you are a single agent. NAA is a company that went from nothing to $125,000,000 in 4 years and this year will bring in $250,000,000 in annual premium. With an average family being $85 in premium combined that is about 250,000 families, give or take. So while you might be doing something and helping however many families, NAA is helping hundreds of thousands, in both protecting them from financial devastation and providing income from their agents.
I wish you the best of luck, but with your experience you probably don't need it.
Zack
Every business person mails junk mail. It is a commonly known fact that sending 1,000 mailings to people on a mailing list returns at least 10% new customers. Everyone who has something, unless they are homeless, is on some sort of mailing list. This is how most salespeople get new business and make a living. If you don't like it shred it!
The only time it would concern someone who says "who cares" is if it affected their personal freedom.what personal freedom you ask? well what seperates you from everyone else is your personal information and your identity,things like your SS#,drivers license,home mailing address,bank account information,credit card information.Now ask your self, who cares?
No, not every businessperson sends junk mail. The companies I respect the most do not and even some that I'd never shop at.
When compared with a level term life policy, the reasoning for a decreasing term home policy doesn't make sense. Not only does paying off the mortgage in full on the death of the breadwinner NOT make sense, but even if it was paid off, it doesn't pay the electric, water, gas, medical, or car bills. The whole gimmick plays on the wonderful idea of living in a paid-off house, but you don't have to pay off the whole mortgage to keep living there since you can just keep paying the mortgage. The case to say it makes it easier to pass on to beneficiaries (since a mortgage under the deceased's name could cause the mortgage company to call the payment of the loan in full) could be taken care of with a half-way decent will, which everyone should have anyway.
None of the advertising paperwork explains clearly that the insured will be paying a level insurance payment with decreasing returns and that the policy doesn't automatically change if there's a early prepayment to the mortgage principle.
A level term life policy comes to the beneficiaries tax-free and can be used to pay the mortgage AND/OR other regular bills or bills resulting from the death (estate lawyer, funeral home, other misc legal obligations). Even donating your body to science at death leaves a fee to the family for "preparation," transport, paperwork, and other junk fees.
Just because you happen to be part of the first group to litter people's mailboxes with this junk doesn't make you a hero, when you know if you took your head out of the sand, you're not really doing the best thing for your clients. Surely you know there are better things to sell your clients for the same monthly/yearly expense.
There are several things that you are misinformed about. I will take your comments and put them in quotations then comment on them.
"When compared with a level term life policy, the reasoning for a decreasing term home policy doesn't make sense." While we offer decreasing term it is not what we recommend to families, the only time that I recommend decreasing term is if there is a issue of cost and the only way to make it fit the budget is to make it a decreasing term. The liability of the mortgage goes down with time in some cases and the insurance value going down with it makes sense if that is what the family needs. While you speak of it not making sense that might be for your situation but not for all.
"Not only does paying off the mortgage in full on the death of the breadwinner NOT make sense, but even if it was paid off, it doesn't pay the electric, water, gas, medical, or car bills." I agree, that is what makes our solutions so much better then what the bank has to offer, because the Mortgage Credit Life that a bank offers to a family pays the bank and the loan in full. While our policies pay the family, they decide where the money goes, if the wife wants to make mortgage payments and keep paying the bills she can, but by the same token she could pay off the house and move somewhere smaller if she wanted to, not keeping the debt from the first house.
"The whole gimmick plays on the wonderful idea of living in a paid-off house, but you don't have to pay off the whole mortgage to keep living there since you can just keep paying the mortgage. The case to say it makes it easier to pass on to beneficiaries (since a mortgage under the deceased's name could cause the mortgage company to call the payment of the loan in full) could be taken care of with a half-way decent will, which everyone should have anyway." This part I covered above except for the part about the need for a will, which I completely agree with but in most cases the husband and wife are both owners of the house and it will be able to be passed to her without having to deal with paying it off in full first.
"None of the advertising paperwork explains clearly that the insured will be paying a level insurance payment with decreasing returns and that the policy doesn't automatically change if there's a early prepayment to the mortgage principle." First this is why people meet with our representatives because you cannot mail everyone information about everything. Second the notion of decreasing returns was already addressed so I won't touch on it again but the level payment is guaranteed for a portion of the policy and can be extended to the whole life of the policy, but most clients do not opt for this option because in the history of the companies that I work for they have never had a rate increase to existing policies. Lastly you are stating something from mortgage credit life and not mortgage protection insurance, once our policy is in force you can move, refinance, sell the house, pay it off early, anything you want, as long as you keep making your insurance payments the policy stays in force. The mortgage amount is used to base the amount of insurance to offer the client initially, and the policy is not actually tied to that mortgage.
"A level term life policy comes to the beneficiaries tax-free and can be used to pay the mortgage AND/OR other regular bills or bills resulting from the death (estate lawyer, funeral home, other misc legal obligations). Even donating your body to science at death leaves a fee to the family for "preparation," transport, paperwork, and other junk fees." This is not different. It is in essence a level term policy. Just designed to cover the mortgage.
"Just because you happen to be part of the first group to litter people's mailboxes with this junk doesn't make you a hero, when you know if you took your head out of the sand, you're not really doing the best thing for your clients. Surely you know there are better things to sell your clients for the same monthly/yearly expense." First if you actually knew what we were offering you would not be making this kind of statement, second we are doing the best thing for our clients, if not for us they would either A)buy something from their bank or insurance agent, who can only offer them one company and is usually way overpriced. Or B) would refrain from buying any insurance and run the risk of leaving a huge debt.
Do I have any problems sleeping at night? The answer is NO because I know that I am going out there and helping families. That is what this is all about, protecting against the financial destruction caused by death.
Zack
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