We’ve always tried to take the hardest chapters of our life — infertility, loss, setbacks — and use them for good. Today is one of those moments. We are sounding the alarm on a hidden insurance scam involving policies being sold by Pacific Life and other insurance carriers. These are being pitched as “smart retirement planning” or a way to “set up your children’s future,” but too many families are being misled and left with devastating financial loss. And it’s not just public figures — it’s ever

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