The Ninja does not believe you can simply plug in data from a brochure and truly understand how the contract will most likely perform. He compares this amateurs approach to trying to treat a patient with an antibiotic based solely on looking at the drug manufacturer’s chemical breakdown! A specialist on the other hand diagnoses and prescribes from a position of experience! The Ninja is that Safe Money specialist with 29 years of reviewing, planning and maintaining these policies. He was right there as these products were being created and brought to market and is well versed as to the flaws and got-chas that have impacted policy holders. These flaws by the way would never have been detected just by building an excell spreadsheet to guesstimate performance!
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