"Current use of the [Best Interest Contract (BICE)] is far beyond the scope needed for non-fiduciary phone centers or Websites. Such use would be costly and impractical. The alternative is the Limited Fiduciary, which maintains the current services and uses the full protection of the 408(g) exemption for limited services. The insurance coverage is unaffected or costs potentially lowered as are the business risks. The chance of an accidental breach is also greatly reduced. The Limited Fiduciary for existing services can be quickly implemented at a very l ow cost and minimum interruption or re-training."  MORE >>