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https://c.ymcdn.com/sites/bisa.site-ym.com/resource/resmgr/2017ACsessions/007-Life_Insurance_-_2020_Vi.pdf
http://www.nxtbook.com/nxtbooks/bisa/2015q1/index.php?startid=15
http://singerpubs.com/Press-Release-WWBI-2008-12-10-08.pdf