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Guest SPollock
Posted

I have a prospect whose plan has a CDSC of 2% if they move the plan within the next four years. I have discussed it with my company (we are a bank if it matters) and we are willing to "pay" or "cover" the CDSC to get the plan. I know insurance providers will cover the CDSC but I do not know how it is done.

I have been told that the existing provide will take the CDSC out of the assets before they transfer the plan. How do we properly "replace" the assets to the plan? Can my prospect "require" the existing investment provider to bill the company for the CDSC instead of charging it to plan

assets? Thank you for the assistance?

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