I think it's one of the best ways. It's not a common concept so most people with some financial literacy dissagree or think it's wierd. It's definitely not the BEST way and it's definitely not the ONLY way to do it. If it's the ONLY product you're licensed to sell then it's easy to get caught up in marketing it as if it were the holy grail of financial products, even though it is damn close. It just depends on the person and their specific situation.
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