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	<title>Comments for Breadwinners&#039; Insurance</title>
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	<link>http://www.breadwinnersinsurance.com</link>
	<description>Breadwinners&#039; Insurance</description>
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		<title>Comment on An Open Letter to Northwestern&#8217;s Chairman Ed Zore by Steve</title>
		<link>http://www.breadwinnersinsurance.com/2010/06/21/683/comment-page-1/#comment-4662</link>
		<dc:creator>Steve</dc:creator>
		<pubDate>Sat, 07 Jan 2012 22:53:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=683#comment-4662</guid>
		<description>&lt;strong&gt;Hi...&lt;/strong&gt;

http://www.webcamgirls4.com/...</description>
		<content:encoded><![CDATA[<p><strong>Hi&#8230;</strong></p>
<p><a href="http://www.webcamgirls4.com/.." rel="nofollow">http://www.webcamgirls4.com/..</a>.</p>
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		<title>Comment on Should Penn Mutual’s Old Policyholders in Good Health Replace Their Long-Held Policies? by historic part venue</title>
		<link>http://www.breadwinnersinsurance.com/2010/03/10/113/comment-page-1/#comment-3717</link>
		<dc:creator>historic part venue</dc:creator>
		<pubDate>Thu, 01 Dec 2011 18:32:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/wordpress/?p=113#comment-3717</guid>
		<description>&lt;strong&gt;christmas presents...&lt;/strong&gt;

[...]Should Penn Mutual’s Old Policyholders in Good Health Replace Their Long-Held Policies? &#171; Breadwinners&#039; Insurance[...]...</description>
		<content:encoded><![CDATA[<p><strong>christmas presents&#8230;</strong></p>
<p>[...]Should Penn Mutual’s Old Policyholders in Good Health Replace Their Long-Held Policies? &laquo; Breadwinners&#39; Insurance[...]&#8230;</p>
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		<title>Comment on Where is our Rosa Parks to stand-up to the life insurance industry&#8217;s crimes? by Nancy</title>
		<link>http://www.breadwinnersinsurance.com/2011/09/07/where-is-our-rosa-parks/comment-page-1/#comment-2430</link>
		<dc:creator>Nancy</dc:creator>
		<pubDate>Fri, 30 Sep 2011 09:30:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=1227#comment-2430</guid>
		<description>Thanks for  the share!   
Nancy.R</description>
		<content:encoded><![CDATA[<p>Thanks for  the share!<br />
Nancy.R</p>
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		<title>Comment on What Lapse Rates Indicate About Regulatory Approvals and Sales Practices by Lchen</title>
		<link>http://www.breadwinnersinsurance.com/2010/06/08/666/comment-page-1/#comment-2192</link>
		<dc:creator>Lchen</dc:creator>
		<pubDate>Thu, 18 Aug 2011 21:12:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=666#comment-2192</guid>
		<description>Thanks for your article and website. Very informative. An agent of Word Financial Group (WFG) tried to sell my wife a IUL product from WRL. First I am deadly against the direct marketing tactics for an life insurance product. Second, I am totally confused by various costs and fees, and the agent is not much wiser except pointing to the potential IRRs shown in the illustrations. I am not surprised if many people dropped their policies.</description>
		<content:encoded><![CDATA[<p>Thanks for your article and website. Very informative. An agent of Word Financial Group (WFG) tried to sell my wife a IUL product from WRL. First I am deadly against the direct marketing tactics for an life insurance product. Second, I am totally confused by various costs and fees, and the agent is not much wiser except pointing to the potential IRRs shown in the illustrations. I am not surprised if many people dropped their policies.</p>
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		<title>Comment on An Open Letter to Northwestern&#8217;s Chairman Ed Zore by Euro Sondages</title>
		<link>http://www.breadwinnersinsurance.com/2010/06/21/683/comment-page-1/#comment-1603</link>
		<dc:creator>Euro Sondages</dc:creator>
		<pubDate>Sun, 03 Apr 2011 06:39:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=683#comment-1603</guid>
		<description>&lt;strong&gt;Sondage Rémunérés...&lt;/strong&gt;

You’ve done an excellent jobThanks for sharing this very good web site. Very inspiring! keep up the good work....</description>
		<content:encoded><![CDATA[<p><strong>Sondage Rémunérés&#8230;</strong></p>
<p>You’ve done an excellent jobThanks for sharing this very good web site. Very inspiring! keep up the good work&#8230;.</p>
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		<title>Comment on A Tribute to Joseph M. Belth by Food Slicer</title>
		<link>http://www.breadwinnersinsurance.com/2010/08/17/692/comment-page-1/#comment-1474</link>
		<dc:creator>Food Slicer</dc:creator>
		<pubDate>Mon, 14 Mar 2011 05:47:49 +0000</pubDate>
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		<description>&lt;strong&gt;Your Friend &amp; Partner...&lt;/strong&gt;

I really think your blog is great! I&#039;ve added a link back here; I hope that&#039;s alright as I&#039;d like my readers to check your site &amp; articles out. It&#039;s Here. Always like to honor high quality content. Great job!...</description>
		<content:encoded><![CDATA[<p><strong>Your Friend &amp; Partner&#8230;</strong></p>
<p>I really think your blog is great! I&#8217;ve added a link back here; I hope that&#8217;s alright as I&#8217;d like my readers to check your site &amp; articles out. It&#8217;s Here. Always like to honor high quality content. Great job!&#8230;</p>
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		<title>Comment on Actuary.org Tries to Punt by John H. Meetz at Actuary.org</title>
		<link>http://www.breadwinnersinsurance.com/2011/03/07/actuary-orgs-pathetic-first-reply/comment-page-1/#comment-1423</link>
		<dc:creator>John H. Meetz at Actuary.org</dc:creator>
		<pubDate>Tue, 08 Mar 2011 21:28:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=1206#comment-1423</guid>
		<description>[Yesterday afternoon, Mon, Mar 7, 2011 at 3:39 PM, while I was trying to fix a software glitch in my blog, after having written the above blog, I received the following from Mr. Meetz at Actuary.org]. 
 

Mr. Fetchel,
 
I am sorry that you don’t agree with our response to your email, but we still feel the same way, and we don’t intend to put any more resources into this issue. 
 
John H Meetz
Policy Analyst (Life)
American Academy of Actuaries

[Certainly sounds like the AAA thinks they can duck this issue of appropriate policy disclosure in 2011 as they have done for the past 40+ years. 

Whether or not they can is really in your hands, not mine. Who do you know that should know about this issue?  Who do you know that should know about Breadwinners&#039; Insurance?  The dysfunctional life insurance industry will be transformed once anyone with power demands that the age-old informational problems be solved.

These thoughts in bracket are the comments  of Breadwinners&#039; Insurance Founder, Brian Fechtel.]</description>
		<content:encoded><![CDATA[<p>[Yesterday afternoon, Mon, Mar 7, 2011 at 3:39 PM, while I was trying to fix a software glitch in my blog, after having written the above blog, I received the following from Mr. Meetz at Actuary.org]. </p>
<p>Mr. Fetchel,</p>
<p>I am sorry that you don’t agree with our response to your email, but we still feel the same way, and we don’t intend to put any more resources into this issue. </p>
<p>John H Meetz<br />
Policy Analyst (Life)<br />
American Academy of Actuaries</p>
<p>[Certainly sounds like the AAA thinks they can duck this issue of appropriate policy disclosure in 2011 as they have done for the past 40+ years. </p>
<p>Whether or not they can is really in your hands, not mine. Who do you know that should know about this issue?  Who do you know that should know about Breadwinners' Insurance?  The dysfunctional life insurance industry will be transformed once anyone with power demands that the age-old informational problems be solved.</p>
<p>These thoughts in bracket are the comments  of Breadwinners' Insurance Founder, Brian Fechtel.]</p>
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		<title>Comment on An Open Letter to Northwestern&#8217;s Chairman Ed Zore by Dennis Laginess</title>
		<link>http://www.breadwinnersinsurance.com/2010/06/21/683/comment-page-1/#comment-1256</link>
		<dc:creator>Dennis Laginess</dc:creator>
		<pubDate>Wed, 02 Feb 2011 20:08:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=683#comment-1256</guid>
		<description>Have enjoyed your site very much and benefited from the information. Thank You….</description>
		<content:encoded><![CDATA[<p>Have enjoyed your site very much and benefited from the information. Thank You….</p>
]]></content:encoded>
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		<title>Comment on Should Penn Mutual’s Old Policyholders in Good Health Replace Their Long-Held Policies? by Janis</title>
		<link>http://www.breadwinnersinsurance.com/2010/03/10/113/comment-page-1/#comment-1253</link>
		<dc:creator>Janis</dc:creator>
		<pubDate>Wed, 02 Feb 2011 12:55:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/wordpress/?p=113#comment-1253</guid>
		<description>Great blog it&#039;s not often that I comment but I felt you deserve it.</description>
		<content:encoded><![CDATA[<p>Great blog it&#8217;s not often that I comment but I felt you deserve it.</p>
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		<title>Comment on An Open Letter to Northwestern&#8217;s Chairman Ed Zore by sleep aids</title>
		<link>http://www.breadwinnersinsurance.com/2010/06/21/683/comment-page-1/#comment-1154</link>
		<dc:creator>sleep aids</dc:creator>
		<pubDate>Wed, 26 Jan 2011 19:03:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.breadwinnersinsurance.com/?p=683#comment-1154</guid>
		<description>You must participate in a contest for among the finest blogs on the web. I will advocate this web site!</description>
		<content:encoded><![CDATA[<p>You must participate in a contest for among the finest blogs on the web. I will advocate this web site!</p>
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