Additionally, I follow up with an Investment Pyramid, comments on diversification, insurance coverage and much more throughout this book to verify any statements. But for brevities sake, I distilled some of the most noticeable commentary into less than two pages. Isn't happening today either. The licensing training is clearly inadequate for even the simplest of risk scenarios. Use somebody with more extensive and intensive training.
Insurance is an absolute minefield.
Most licensees have gotten licenses in the years past by simply taking a course at a private school where most of the answers were provided. Most states have increased competency somewhat through mandatory continuing education, but it still leaves a lot to be desired. All that said, never accept insurance advice from someone who does not at least possess an insurance license. That includes all financial planners, CPA's, attorneys, your mama and anyone else. The license is not perfect, but having nothing at all and offering advice on this most sophisticated issue makes absolutely no sense whatsoever.