Life insurance actuary James Hunt of the Consumer Federation of America recently evaluated a 1971 John Hancock policy.

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Hunt, life insurance actuary for the Consumer Federation of America, in Washington, D.

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H. insurance actuary, will analyze a policy's return and outline your options.

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For unbiased advice, check out EvaluateLifeInsurance.org, run by James Hunt, the Consumer Federation of America's life-insurance actuary, and GlennDaily.com, which links to several fee-only insurance consultants.

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Mr. Litow is a retired actuary and past chairman of the Social Insurance Public Finance Section of the Society of Actuaries.

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But an outside actuary as well as HHS staffers who spent months analyzing CLASS came up with a half-dozen different insurance models they felt could have been sustainable.

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