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Life insurance is a product that seems to be misunderstood or not understood by most consumers. Sales people frequently sell it as a solution to many problems. We'll be speaking with Skip Fleming, a Certified Financial Planner, owner of Lodestar Financial Planning, headquartered in Colorado Springs, Colorado. Skip is a retired US Marine Corps pilot and has been in financial services since 2002. He is a member of the hourly, fee-only Garrett Planning Network.