WFG is just a What The F#$k Group and you may lose a lot of money with them. So, don't believe what you hear from them or blame yourself! Their web-site is extremely fishy as well. Just read about the Rule of 72-nothing is guaranteed at all. Also, some statements like 'Help us protect your family in the case you live too long'! I think it's just ridiculous.
Final advice is don't pay no money to them and ask to return your cash if you already did pay. Don't fall in the same trap in which I fell!
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