Government regulations in the security and insurance industry, appear to be reactions to security representatives and insurance agents acting badly. They are created to be punitive and simply not just an exhortation. Many financial professionals that cross the line are ignorant of boundaries, which could, in and of itself, disqualify them as a professional. Some knowingly ride the fence and believe there is a neutral zone governing the gray areas of the law. But there are a few whose nature has a criminal disposition and their felony convictions taint the field force at large. Intent is a heart motive that may be identified by their methods and more often their targeted audience of the elderly and the innocent through a facade of trust. The methods and approaches may be evidentiary. What is evidentiary is the blatant exaggerated benefits these carnival barkers promote.  One of the most glaring examples is the marketing mantra “Zero is Your Heroâ€� often used with indexed annuities and indexed life insurance. The evangelists of this motto proclaim that you can never lose money. This is the great misnomer. If they meant to say that the crediting account can never levy less than zero, that is correct.   Read more…