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SmartMoney magazine reports on the most common ways in which life insurance companies can and do hurt their customers. Some of these are: pester us for a better deal, and you'll probably get it; Our favorite policy is secrecy; if you knew how we motivate our agents, you'd look elsewhere; we can raise expenses, and it's none of your business; the less you understand us, the more we like it; you are paying us more interest than a delinquent credit-card holder; nobody's really certain how we rate; our riders will take you for a ride; we pay less interest than a savings account; you just threw out a great tax break.

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