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

FORBES: Old but still kicking

Hancock says he found great inspiration and freedom in the music of James Brown and Sly Stone, and sought to incorporate some of funk's distinct sounds and rhythms into his group.

NPR: 'Head Hunters' Found A New Direction In Jazz

There are tens of thousands of brokers working for brokerage firms like Merrill Lynch, Morgan Stanley ( MS), Citigroup ( C) and Raymond James ( RJF), and insurance company salespeople at firms like Met Life ( MET), John Hancock and Prudential ( PRU) that earn their living this way.

FORBES: Little Guy Still Ripe For Broker Abuse