• The Barnes Standard™ advocates and I disagree on the solution, however.
• My solution is to take advantage of two relatively safe harbors that insurance companies offer consumers:
  • (1) cheap, guaranteed, convertible term insurance; and
  • (2) low-load cash value policies.
• If you insist on going into the dangerous waters beyond, you should be prepared to spend time and money.
  • There is no simple way to do thorough due diligence to identify the many things that can go wrong with the policy that you buy.

Glenn Daily - Barnes Standard - [link]