Article: American Society of CLU & ChFC unveils new tool to curb replacement abuses.

BRYN MAWR, Pa.--(BUSINESS WIRE)--Oct. 6, 1995--The American Society of Chartered Life Underwriters (CLU) & Chartered Financial Consultants (ChFC) Friday unveiled a new tool to help life insurance and financial planning professionals determine when and if replacement of an existing life insurance policy is in the best interests of their clients.

The American Society's Replacement Questionnaire or "RQ" is a series of questions that uncover important information that will help agents identify, and evaluate the key issues involved in determining whether a particular policy should be replaced.

Policy replacement, the practice of discontinuing or exchanging ...

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