Keiko Horikoshi, 41, sought out a financial planner last month to make sense of her and her husband's life insurance coverage.
The couple had been paying as much as 75,000 yen a month for 15 years for life insurance, endowment and medical coverage -- funds eating away at seed money to cover education costs for her 9-year-old son.
She was stumped a minute into the meeting.
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