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FOREWORD BY GUILLERMO ASSEFF-CAIAT You are about to read one of the most refreshing books ever written in the field of life insurance. Dorlan Francis approaches the subject from a social and philosophical point of view—long overdue in a financial marketplace where quick gain and speculation have overtaken long term aims and commitment. For the life insurance professional, this is a very valuable reference book. It is also an exceptionally well written panegyric of a financial product that has been the engine behind the success of the most advanced societies today. For the layperson, Dorlan’s marvelous handling of the concepts renders complex issues into a natural flow that inevitably leads to full comprehension. Dorlan clearly and finally puts to rest the fallacy of the “buy term and invest the difference” theory. In the process of so doing, he exposes the profound meaning of life insurance in a manner that transcends the intended purpose of his book and creates a capital work on the subject. About Guillermo Asseff-Caiat: • Past President of the Canadian Association of Insurance and Financial Advisors (CAIFA) • Former Vice President, Operations EFI Financial Services Inc. • Life Member of the Million Dollar Round Table (MDRT) • Court of the Table Member (MDRT) • Honour Roll Member (MDRT) • Fifteen years recipient of the National Quality Award (NQA

FOREWORD BY GUILLERMO ASSEFF-CAIAT You are about to read one of the most refreshing books ever written in the field of life insurance. Dorlan Francis approaches the subject from a social and philosophical point of view—long overdue in a financial marketplace where quick gain and speculation have overtaken long term aims and commitment. For the life insurance professional, this is a very valuable reference book. It is also an exceptionally well written panegyric of a financial product that has been the engine behind the success of the most advanced societies today. For the layperson, Dorlan’s marvelous handling of the concepts renders complex issues into a natural flow that inevitably leads to full comprehension. Dorlan clearly and finally puts to rest the fallacy of the “buy term and invest the difference” theory. In the process of so doing, he exposes the profound meaning of life insurance in a manner that transcends the intended purpose of his book and creates a capital work on the subject. About Guillermo Asseff-Caiat: • Past President of the Canadian Association of Insurance and Financial Advisors (CAIFA) • Former Vice President, Operations EFI Financial Services Inc. • Life Member of the Million Dollar Round Table (MDRT) • Court of the Table Member (MDRT) • Honour Roll Member (MDRT) • Fifteen years recipient of the National Quality Award (NQA