Think of it like your general practice doctor. While they may be an accomplished physician, if you need heart surgery, your general practitioner would recommend you see a specialist. While any licensed insurance agent can legally sell and provide an insurance product, most have very little experience, if any, with positioning, designing, coordinating, and servicing these plans. Most agents and financial Investment Advisor Representatives have heard about “overfunding” life insurance, but very few truly understand how to design, implement, and service these plans as part of an overall financial strategy.