Stanley walks through the modern approach to a industry standard that has failed more people than it has helped. How many people are self-insured by the time they pass away? It’s possible (and true) that the idea is on track but the premise is off-base. Why risk your savings if you are just getting started? The wealthy can afford the risk and invest the rest. Can you? Most likely no, not yet at least. The modern approach to successful planning that will help us achieve success for the next phase of our financial life.