Basically, the concern of NAPFA is the extraordinary expense...

Basically, the concern of NAPFA is the extraordinary expense often associated with these insurance policies, ... The problem with a lot of these high cost products is that they attempt to push hot buttons with consumers. They ask, 'do you want to pay taxes?' Obviously, you don't. But the NAPFA approach is to look at your overall financial picture and do it on an unbiased, non-partial basis.