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Truth!Many of us have had to adapt and modify our business model over the years to maintain our standard of living.
When I started in 1978, I was almost 100% life. I dabbled in health. In the late 80’s, all 3 of my life companies failed( junk bonds!) and were taken over by respective state regulators.
Sold my last life policy in 1991.
My products were now, under 65 health, group health and Medicare.
When obamacare became law, sold my last under 65 health plan.