"We don't plan for the best and hope the worst doesn't happen.  That is emotion driven consumerism.  That meets the definition of insanity and that is how the majority of families are handling their financial future.  We plan for the worst so that you are insulated from the crippling downsides of that risk.  However, our proprietary strategies deliver industry leading risk management without crippling your ability to capture the upside of taking risk on.  Buying the cheapest insurance doesn't make you smart and will never make you wealthy.  However, buying the cheapest insurance does guarantee that you will likely never become wealthy in your lifetime.  You have to break the penny saver mentality to see the big picture of wealth in order be a chain breaker of financial poverty in your family and future generations." 
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