Do not accept the premise of the question, if you don't think it's correct. A query can be loaded with assumption, that's not past debate. It's not correct just because it's commonly / frequently asked. It's your job to point that out, help the reader with pointers on what the real underlying query is. If the question is What's the best time to buy an LIC policy, the answer must point out that user should avoid buying LIC policies or ULIPs, and give reasoning as to why.