Richard Proteau
- ManuLife
- - Book - The Universal Life SCAM
- youtube.com/@richardproteau2705
- consumerights.ca/
- fsconsumeralliance.wordpress.com/
- https://www.consumerights.ca/iblog/blog2.html
- Ward v ManuLife
- Vanishing Premium
- Vanishing premiums would never have happened if sales employees had not devised and taught this concept to advisors.