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Ensure they're insured

机译：确保他们被保险人

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The two things I dislike the most as a CPA and financial planner are when the client calls you to tell you about the life insurance policy that they just bought, and when they send you pages of forecasts and illustrations from an insurance agent making a pitch and expect a quick answer. The after-the-fact conversation is rooted in the type of relationship that you have with your client. If you are their tax person or corporate accountant, you may understand why they'd tell you after they made the purchase. They probably wondered what kind of tax break they may get for purchasing the life insurance. But clearly this client doesn't see you as their financial advisor. This problem would hurt even more if you think you are their financial advisor. Obviously, they disagree with you, and that's a bigger problem. Getting pages of insurance company forecasts after they've been pitched by an agent isn't a whole lot better. It also reveals their vision of you in less than a holistic way, but also implies that they've made a purchasing decision, and they simply want your blessing. That blessing can't be given in five minutes, and if you spend the time to carefully review the proposals and all of the relevant facts to determine if the purchase is appropriate, you know that you'll get puzzling questions about the bill. This scenario sounds like a lose-lose situation for the client and the firm. Let's now approach this proactively, and see how to deliver the greatest value to your clients. Whether your firm decides to actually sell life insurance or not is irrelevant to offering the appropriate advice. I believe that as a financial planner it is your fiduciary responsibility to offer advice regarding the client's life insurance needs and current portfolio of policies. If you do choose to sell insurance and receive commissions, be sure to be aware of your disclosure requirements. Under the CPA, PFS, CFP or RIA rules of your state, you may be required to offer full disclosure of the conflict and any compensation you may receive. I feel that disclosure should include the nature, frequency and amount of the compensation to be received. This would include any soft benefits in lieu of or beyond actual cash payments.
机译：我不喜欢的两件事是CPA和金融计划者的是，当客户呼吁您告诉您他们刚刚购买的人寿保险政策，以及他们向您发送播放的保险代理商的预测和插图时期待快速答案。事实上的对话植根于您对客户的关系类型。如果您是纳税人或公司会计师，您可能会理解为什么他们在购买后告诉您。他们可能想知道他们可以购买什么样的税收休息时间。但显然，这位客户没有看到你作为他们的财务顾问。如果您认为自己是他们的财务顾问，这个问题会伤害更多。显然，他们不同意你，这是一个更大的问题。获得保险公司的页面在被代理人投手后预测并不是一个更好的程度。它还以不到全面的方式揭示了他们对你的愿景，但也意味着他们已经采取了购买决定，他们只是想要你的祝福。在五分钟内不能给予那种祝福，如果你花时间仔细审查提案和所有相关事实来确定购买是否合适，你知道你会对账单产生令人费解的问题。这种情况听起来像客户和公司的丢失情况。让我们现在积极接近这个，看看如何为客户提供最大的价值。无论您的公司是否决定实际卖出人寿保险，与提供适当的建议无关。我认为，作为金融计划者，您的信托责任提供有关客户的人寿保险需求和当前政策组合的建议。如果您选择销售保险并获得佣金，请务必了解您的披露要求。根据您所州的CPA，PFS，CFP或RIA规则，您可能需要提供完全披露冲突和您可能收到的任何赔偿。我觉得披露应包括要收到的补偿的性质，频率和金额。这将包括任何软效益代替实际的现金支付。

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