See pages 26 through 29--notably 26 and 29--about fees.OMG!! $115/mo for $100,000 life insurance.Pull up some life insurance quotes from GEICO.She can get a 30 year level term policy for $10.35/mo.Or $1,000,000 for $42.63/mo.No policy fees, or any of these other garbage fees.Instead of $197.50 of her $400 going to investments, she could have$389.65.
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