Term vs. permanent (WL/UL/IUL): structure, guarantees, and cost elements

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Illustration literacy (guaranteed vs. non-guaranteed, sensitivity checks)

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Funding strategies and MEC avoidance; remediation options if limits are breached

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Rider selection (waiver, GIO, ABR/LTC) and documenting suitability

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In-force stewardship: loans/withdrawals, lapse prevention, annual review cadence

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