Fiduciaries can take some preliminary steps to identify at-risk clients, starting with asking clients three questions that will help them quickly uncover who may
need help:
- Are you considering lapsing or surrendering your life insurance policy. If so, why? Their answer will help the fiduciary understand their need(s).
- If yes, is this policy a UL policy?
- Have you had any changes in health since the policy was issued?