I meet with this situation a few times each week. The consumer send an e-mail to me, through my website, asking for my views about the life insurance policies that are being sold to them by an agent. From the nature of the enquiry, I conclude that the consumer: a) does not understand the product b) did not read the benefit illustration c) did not read the FAQ in my website or my financial planning book. The consumer wanted me to spend time to analyse the policies that have been offered to them. I usually give this reply to the consumer: a) read my FAQ and financial planning book b) it is the duty of the agent to explain the product clearly to you, as the agent is earning a few thousand dollars in commission when you buy the product. c) do not buy any financial product that is not ......