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Throw the industry under the bus is not literal...
Thanks for clarifying that.
That is a terrible thing to do. You make up a bunch of BS rules and then find an out for yourself. You do harm to people by spreading lies that keep people from buying a basic good, life insurance, to fill your pockets, yet you have the audacity to call others liars. Although the Insurance Protection Center is misleading, at least they accomplish a good thing unlike you.