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Any independent insurance agent, broker, professional advisor, and financial services consultant, ahead of implementing all of these strategies, is strongly advised to seek advice from attorneys, accountants, government agencies, independent marketers, and inasurance companies. A smart move would be to take formal courses in this subject, as the author does. Always check your application thoroughly before filing it. Make it a point that your consultant has duly signed your form submission. If he does not use his name anywhere, it
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