Tabitha has a client who purchases a life insurance contract and then asks her if it is okay to roll funds from another policy into this policy using a 1035 exchange. he also wishes to have some bank fund transfers sent to the insurance company and deposited into the cash value accumulation on this policy. this would best be identified as which of the following? a) modified endowment contract b) violation under tamra c) 7-pay test violation d) layering
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