Hide captions (Ctrl+Alt+C) Show captions (Ctrl+Alt+C) Enter full-screen (Ctrl+Alt+F) Exit full-screen (Ctrl+Alt+F) locked video captions full-screen video mute video pause video picture-in-picture play video playback speed video settings Open video volume Mute (Ctrl+Alt+M) Next Next (Ctrl+Alt+.) Pause (Ctrl+Alt+P) Play (Ctrl+Alt+P) Playback speed Previous Previous (Ctrl+Alt+,) Replay (Ctrl+Alt+R) search Settings Back to top slide progress Submit (Ctrl+Alt+S) %count% of %total% item visited %count% of %total% items visited step %count% of %total% Unmute (Ctrl+Alt+M) Transcipt visited Close Move window Options Resize window Accessible text Toggle accessible text Action Alt Background audio Toggle background audio Clear and return to menu Close Captions Toggle captions Continue Ctrl Start Course Please rotate your device Enable keyboard shortcuts Filter Toggle full-screen Glossary Keyboard Shortcuts Keyboard shortcuts Start Course Captions Off On Normal Video Playback Settings Playback Speed close video settings Mute / unmute NEXT Next Menu Normal Playback Speed Play / pause PREV Previous hour hours minute minutes second seconds Replay Resources Restart Resume Search... Search in: Search Results Search Shift Shortcut List keyboard shortcuts Sidebar Toggle Slide Text Learn More To watch this video, use the preview feature in Storyline 360, upload your published output to a server, publish to Review 360, or switch to static video quality. Streaming video is unavailable for local playback. SUBMIT Submit Terms audio camera moved down camera moved left camera moved right camera moved up %count% of %total% %count% of %total% visited hotspot Use the w, a, s, and d keys to move around the 360 degree image. Press the tab key to jump to interactive markers and hotspots. 360 degree image interaction free exploration mode guided tour mode next previous label marker pause audio pause video play audio play video progress progress %total% item %total% items video video volume Toggle zoom to fit Transcript Autoscroll Notes Show timestamps Resume autoscroll Select track Transcripts Zoom to fit Continue <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style LineSpacingRule="Single" /> <Span Text="Welcome to the "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="2024 Agent Firm Element Training"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style LineSpacingRule="Single" /> <Span Text="
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style LineSpacingRule="Single" /> <Span Text="Please select the "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Accessibility Support"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" button to find out about the accessibility features built into this course. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style LineSpacingRule="Single" /> <Span Text="There is a “CC” (Closed Captions) button to provide text captions for all audio in the course. Support for screen readers has been included in this course with text descriptions for key images. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="As a New York Life Agent, you play an important role in helping your customers find the right approach to protect their families and help them prosper. This course combines many of the key issues you encounter while working with your customers in an eLearning course to provide a robust, easily accessible resource which you can complete at your convenience. We encourage you to complete this training as early as possible in the year so that you can incorporate the information into your daily operations and interactions.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text=" "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="Review what you’ll be able to do after completing this course. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Why does this matter to you? Select play to find out what Joyce Yoo says about this.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Our values and culture are core to who we are. Above all, we are committed to doing well by doing right, making necessary adjustments to meet the moment in an evolving world. By building awareness of key issues that may arise during the course of regular business, and incorporating ways to address these issues, you can continue to provide your customers with the trusted service they’ve come to expect."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Throughout this course you’ll follow Rocky and Mykah, two New Org Agents, as they meet with Adina, a First Year Partner in their GO with previous experience as an Agent, and Sushiil, their Agent Mentor, in various locations around their neighborhood. Through Rocky and Mykah’s conversations with Adina and Sushiil you’ll learn tools to help you address current issues and concerns. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Join Rocky and Mykah as they meet with Adina and Sushiil in various locations around their neighborhood to learn more about:
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="32" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="Bullet" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Wingdings"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Working with new customers and providing financial advice
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="32" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="Bullet" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Wingdings"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Compliance and Administrative guidelines
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="32" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="Bullet" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Wingdings"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Communications and social media usage
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="32" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="Bullet" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Wingdings"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Privacy and security
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="32" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="Bullet" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Wingdings"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="And global business and communications.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" Start="1" Color="#FFFFFF" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="You’ll be able to explore each one at your own pace and in your preferred order. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Start="1" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: Great job! You just covered a lot of key issues that you might encounter in your daily life as an Agent. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Select Next to advance."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thanks for meeting to talk about working with new customers.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky:"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Yes, thank you! As we build our client base we want to make sure that we’re doing everything correctly so that we can provide the best possible service for our customers. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Of course! Helping new Agents understand the intricacies of the job is one of the reasons I’ve become an Agent Mentor. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina:"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" I agree. As a First Year Partner I’m learning about all of the nuances of my role. And I’m hoping that my experience as an Agent can help support you in your development. Being an Agent is such a rewarding job and its important that you follow New York Life and regulatory rules when working with clients.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The best way to ensure you’re following New York Life and regulatory rules is to understand them. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Take this example of an experience I had when I was prospecting new clients. I had reached out to all of my friends and family to see if they could provide any referrals. My neighbor referred one of his fraternity brothers from University. However, before I contacted him, I discovered that he had moved across the country. Licensing rules vary by state so I referenced the State Solicitation Requirements to see if I would be able to work with him. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What do you do if you discover that you cannot easily get licensed in a particular state? 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Agents can apply for non-resident licenses. Once licensed Agents work with their local GO service team to be appointed. However, fees vary by state so you should consider the business expense to become licensed in a state where you don’t anticipate much business. If you choose not to get licensed in that jurisdiction, you would need to refer that prospect to another Agent who is licensed in that state. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="And would this involve splitting commissions? 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You’re able to refer someone to another Agent, but you can only be compensated if you are properly licensed in that state.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I have a question about that. This morning one of my clients, Mrs. Crown, sent me an email indicating she would like to apply for a policy on her daughter who lives in another state. She’ll be paying for the policy but her daughter will be the insured. Can I submit this application? 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Each jurisdiction has their own set of rules. Make sure you’re referencing The State Solicitation Requirements for this information. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Ok, that makes sense. I’ll reference that information and explore my options before I respond. It might make sense to be licensed in the other state because I anticipate having some future referrals there. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You mentioned that you can’t split commissions when you hand off a lead to an Agent in a state where you’re not licensed. Can you tell us a little bit more about commission splits? 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Of course! You’re already familiar with the Rules of Conduct for Client Contact and Shared Commissions, which outlines the rules Agents must follow when interfacing with clients, persons, or businesses with whom other New York Life Agents have active relationships.
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, it emphasizes the importance of building and maintaining client relationships. "> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Absolutely, and occasionally a client will reach out to a new Agent without knowing the vested interest their Agent has in a client so it’s important that you follow the client contact rules if a client with an existing relationship reaches out. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="There are some situations where the new Agent and an existing Agent agree to split commissions. The expectation is that the splits align with the Agent’s involvement in the case. You can refer to the Million Dollar Round Table rules or the table within the Code of Conduct to help guide you."> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" A few years ago, I met with Mr. Nguyen for coffee. I discovered that he already had a New York Life policy with Agent Rostova. I encouraged Mr. Nguyen to continue the relationship with Agent Rostova; however, he indicated he wanted to start working with me. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="After our coffee, I emailed Agent Rostova and cc’d my Managing Partner to let her know I had met with her client and he would be working with me going forward because our kids are in sports together. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="At no time was there any tension between Agent Rostova and myself, but if there had been, we would have taken care to not expose Mr. Nguyen to any conflict. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Agent Rostova had a thriving book of business and Mr. Nguyen didn’t meet her ideal client profile any ways so we were able to agree on a commission split for new business which we documented in writing. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" I made sure to save the email detailing our agreement. Our agreed upon split covered any traditional business. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What about if Mr. Nguyen also wanted to convert a term policy that Agent Rostova had written. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" There are additional rules regarding sharing commissions on term conversions. Assuming all client contact rules are followed, and a conversion application is submitted within 10 years of the effective date of the original term policy, the original writing or successor agent on the term policy is eligible to a share of the commission on the converted policy, including the face amount of any term riders.
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="If the policy is converted in the first year, the original writing or successor agent is entitled to 100% of the commission on the converted policy (up to the face amount converted, but not on any amount that exceeds the conversion). The percentage decreases by 10% each year, so that if a policy is converted in the tenth year, the original writing or successor agent is entitled to 10% of the commission.
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="If a policy is converted in the eleventh year or later, the original writing or successor agent is not entitled to any commission sharing unless the commission share is agreed to by the agent converting the policy or a commission adjustment is warranted as a result of a violation of the client contact rules."> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thank you for explaining the commissions when working with another Agent’s client. I understand that the client contact rules are different for regular business versus business solutions. Can you walk us through those differences? 
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="When you’re working with business solutions, the relationship is with the organization, not with the individual. In those cases your contact would be someone like HR, who gives you access to the employees.
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Do you run into issues with this?
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Actually, Adina and I ran into this issue with each other. 
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Yes, when I was an Agent I was working with a large medical organization and they had given me access to their employees. I had written policies for over 150 of them. Sushiil’s neighbor happened to be one of those employees. After a couple years she reached out to him to see if he could provide additional financial planning services. 
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Initially I was fairly upset by the situation; I reached out to Sushiil and CC’d my Managing Partner to let them know that it was my client. However, what I didn’t realize, was that my client was the medical organization, not the individual employees. Sushiil was free to work with her. "> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="When something like this happens, its always best to wait before jumping to conclusions. When Adina approached me we were able to discuss the situation and learn from it. It’s one reason why we worked so well together. We care deeply about each other and our clients and want to do right by them.
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What have you found is the best way to reach new clients? 
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Referrals have always worked best for me. When my clients are happy they refer their friends and family to me. I also meet prospects at my kids’ school activities, neighborhood events, the gym…really anywhere I find myself spending a lot of time. 
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The biggest thing is to make sure that you are not calling anyone on a DNC list and to do that you should use Click-To-Call.
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I also find that Seminars are a great way to gain leads. There are a few things to keep in mind regardless of whether the seminar is being hosted by an office or presented by an Agent. "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You know, since becoming an Agent I often get asked for financial advice from people who aren’t my clients. I want to also do right by them. What do you recommend? 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Whether you’re an Agent, a Registered Rep, or a Financial Advisor, any recommendations you make or are asked to give must be in the capacity of your role and in the best interest of the individual. If you’re not licensed to sell a product, you need to refer that person to someone who is. And, of course, any recommendations you make need to be made in accordance with the best interest regulations and requirements. Reg Best Interest enforcement is underway, and it is critical that we provide the required disclosures, run applicable Morningstar IPT proposals and document our recommendations in accordance with the Company guidelines. 
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What about financial advice on products that we don’t sell? I just had this come up."> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Last week I was at a family picnic and my sister’s partner brought up crypto. They said since I was a Financial Advisor they would like me to take a look at their portfolio and give them advice on what to purchase. I reminded them that I am not a Financial Advisor, though I hope to be some day and that I was unable to give them advice on any products that we do not sell at New York Life. "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=""> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="They completely understood. After talking a bit longer, they asked if I would write a term life policy for them. As I was writing the application for them, I was tempted to make some assumptions, however I decided I needed to make sure that all of my information was accurate. It turns out that my sister’s partner was not a US citizen. I had known them for a couple years and had no idea!"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" You handled that perfectly! It’s important not to make assumptions during the underwriting process."> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" It sounds like the biggest take away is to not assume when you’re underwriting!
"> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" That’s right! And follow all New York Life guidelines throughout the application process."> <Style FontFamily="Effra Pro" FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: After thanking Adina and Sushiil for their time, Rocky and Mykah head back to their offices. As they walk they reflect on everything they’ve learned. They will have a few opportunities to check their knowledge. "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: Great job! You’ve completed this module. Select Next to return to the main screen. "> <Style FontFamily="Effra Pro" FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="It’s great to see you both again!
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="We’d love to talk about compliance and administrative guidelines today.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="We know its not always the most fun topic, but when we comply with the rules and regulations set forth by FINRA and New York Life, we are able to provide the trusted service our clients have come to know and expect.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Do you have any questions you’d like to start out with? "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=":"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Can we start out by discussing outside business activities?
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=":"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Of course! You’re already aware that Outside Business Activities, or OBAs as we call them, are any activities that are outside the scope of an Agent’s role at New York Life. Are you aware of common examples of these?"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="My partner and I are getting married and he owns a couple rental properties. Will this be considered an OBA?"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, and rentals are usually approved for everyone. The bigger concern is whether you’re recommending real estate as an investment."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="That makes sense."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Are there similar rules when it comes to involvement in political campaigns? My husband is planning to host a fundraising dinner this year for someone running for local office."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="All Agents and field employees, and their family members, must obtain pre-approval from the Corporate Compliance Department (CCD) prior to making a contribution to, or engaging in, fundraising or solicitation activities of any political candidate seeking or holding state or local office."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I’m glad I checked. How do I obtain Pre-Approval?
"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Y"> <Style FontSize="10" FontIsBold="False" FontIsItalic="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="ou’ll have to complete the Personal Political Contribution Request Form. 
"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Do we need pre-approval for all political contributions or fundraising? 
"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="New York Life’s policy on personal political contributions incorporates both FINRA and SEC rules as well as any state, local, and municipality regulations. You can find the preapproval requirements in the Policy on Personal Political Contributions on Info Central."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="There are limitations on how much you can contribute. You can also find all of that information on Info Central in the"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Policy on Personal Political Contributions"> <Style FontSize="10" FontIsItalic="False" FontIsUnderline="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=". Failing to adhere to these guidelines could result in both individual and the Company being blocked from operating in the jurisdiction. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thanks! I’ll be sure to review that information since my husband is so active in politics."> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What other compliance and administrative responsibilities do we need to be aware of? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You want to make sure that you complete your continuing education courses, such as your Firm Element Course [haha] and your Supervisory Interview Inspection, and the ASQ. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="How do we know what we are responsible for completing? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Annual requirements are announced when published. And your ASM will follow up with you. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="It’s easier to just respond to any Company requests in a timely manner."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="One area where I’ve seen a few misses are in completing Incoming Correspondence Funds Received (ICFR) logs. Housed Registered Reps must provide the GO service team with copies of funds received or covered correspondence within a day of receipt for inclusion on the Housed ICFR log. Detached Reps are responsible for completing their own logs on a weekly basis."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Aren’t most Agents really good about completing their logs?"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Absolutely, if you have questions about what type of information is required to be logged or what to do before you go on vacation, your ASM or Service Leader is a great resource on this topic."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="As Rocky and Mykah sit in their own office later in the day, they reflect on everything they’ve learned. They will have a few opportunities to check their knowledge. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Great job! You’ve completed this module. Select Next to return to the main screen. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": I’m excited to learn more about the communication and social media guidelines we must follow.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": Me too, I recently heard about some severe consequences that were handed out regarding electronic communication.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="That’s right! The SEC has been penalizing firms whose Financial Advisors and employees engaged in off-channel communication."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": Wow! I definitely want to make sure I am complying with federal and New York Life policies to not only help our clients and maintain our company values, but to ensure that we are not held responsible for fines.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": I’ve found that I need to be very aware of my communications. It’s so tempting to just shoot off a quick text. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=":"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Just a couple months ago I was in this similar situation. I was working with a client and quickly typed up a text message asking to confirm our next meeting. I asked a Managing Partner if he would review the text for accuracy and let me know if it was ok to send. He quickly reviewed it and let me know it wasn’t quite ok to send."> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The Managing Partner reminded me that all business-related texting is required to be done through Hearsay, regardless of what may be popular or easy. This ensures that all New York Life communications are monitored and comply with FINRA requirements.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Not only does using Hearsay text ensure we comply with FINRA and New York Life requirements, it makes our lives easier. It helps you more easily communicate with your prospects and clients, preset texts and communications, and insert pre-approved links for scheduling such as Calendly and Zoom meeting invites.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=":"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="One of my favorite things about Hearsay is that it helps me maintain a good work/life balance. Instead of handing out my personal phone number, I’m able to provide clients and prospects with my Hearsay number. And, I’m able to silence Hearsay when I’m doing important activities with my daughter or taking some time for myself."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="3" SpacingAfter="3"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I spend a lot of time prospecting on social media and I know I have to keep my accounts connected to Hearsay at all times.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I’m glad you’re good about keeping your accounts connected. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": A few years ago…
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Another Agent in our office hadn’t kept their social media accounts up to date while they were out on leave. When she returned, she couldn’t remember her password to connect to Hearsay so she asked the Managing Partner if she could make the updates and connect to Hearsay later. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The agent was able to find her password information and reconnect her accounts. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I’ve noticed that I sometimes get a broken token message when I sign in. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Broken tokens happen when there is a change, usually a security policy at the provider or if you change your password to the social media site. Generally there is nothing Hearsay or you can do to prevent them but you will need to reconnect immediately so that the content can be properly retained. You’ll receive an email from Hearsay every seven days after a token breaks. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You’ll want to make sure you check your Hearsay compliance status weekly as well. Youc an do so in Hearsay under Profiles, then Edit Profiles. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": Thanks for sharing that. How do we make sure that all of our posts are ok for social media? 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": All business-related posts must be pre-approved either by using posts from the Hearsay library or by submitting content to SMRU for pre-approval. Private message content and rules mirror those in email. Any content intended for more than one recipient must be pre-approved. General content intended for one recipient typically does not require pre-approval.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Visit Info Central for more information on Social Media Guidelines."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": None of these guidelines apply to personal social media accounts, right?
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": The guidelines are a little different when it comes to personal social media accounts. And it is important for them to be careful."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": There was a recent incident at a competitor. An Agent shared a social media post about a culturally significant holiday and included a comment criticizing anyone who doesn’t observe the holiday. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": Not only was that language lacking in an awareness of stereotypes and was based on personal bias, it was hateful towards other people. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="As a representative of New York Life, we must always uphold our core values of integrity and humanity. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="There’s always the temptation to post our opinions, even when they may be controversial or wildly different from what other people believe. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="When you post controversial opinions on your social media accounts, you risk alienating a portion of your current client base and future prospects. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="All Agents and field personnel are responsible for the content they publish on social media, whether for business or personal reasons. Everything that is published on the internet - even if it is intended to be private or is subsequently deleted - can become public, widely publicized, and visible to others forever. Be aware that anything you share online could become public. Even restrictive privacy settings do not guarantee that information you post will not be copied or shared by others."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thanks for reminding us of that. I wouldn’t want to risk my business because of something I posted online. I will be more mindful of others’ points of view in the future. 
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Another thing I wanted to ask about regarding communications was the use of AI. Rocky and I have both been starting to use Chat GPT to help us draft emails to our clients. 
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Chat GPT is a great tool to help you research, draft emails, write essays, or even learn computer code. But it’s important to use caution when using it. AI tools are still fairly new and users need to be very careful in how they are used and in reviewing the output these tools produce. 
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Let me show you why its important to use caution. Why don’t you take a minute to enter a prompt in Chat GPT so you can see how important it is to be cautious. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Be careful in how you use AI tools. Open AI tools, such as Chat GPT save data to help make the responses more accurate over time. Refer to the New York Life guidelines when utilizing AI tools."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thank you for that guidance. I’m sure we’ll continue to use the tools, especially as they evolve, and will make sure to use caution to preserve the privacy and integrity of our clients."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator"> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": Mykah and Rocky leave the zoom call and reflect on their discussions. They will have a few opportunities to check their knowledge. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Great job! You’ve completed this module. Select Next to return to the main screen. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="It’s nice to see everyone together again. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yeah, and I’m excited to talk about some of the hot topics in privacy and security. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Absolutely! What questions would you like to start out with? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I’d love to talk a little bit about digital privacy and security. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="As an Agent, it is your responsibility to ensure that your technology protects both New York Life and your clients. All devices (phones and computers) used for business purposes must be encrypted and secured with a password meeting the published guidelines. The devices must run current anti-virus software and ensure a firewall is enabled.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You’re already familiar with the Agent Cybersecurity Policy, which outlines New York Life’s Information Security expectations, principles, requirements, controls, and responsibilities for Agents and their staff in order to maintain confidentiality, security, and integrity for the Company and our clients.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The hardest adjustment for me when I started at New York Life was to make sure that I was always securing my assets properly."> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Our team was at an offsite meeting in a conference room of a convention center. After a long morning of work, we decided to take a break for lunch. We left our work where it was so that we could jump right back in after lunch. Before we left, our Managing Partner quickly pointed out that we did not have our assets properly secured."> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Obviously, we made sure we secured all of our assets!
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You all are so good at making sure you secure your assets in the office. What about at home? Do you make sure that all of your devices are secure? 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="We do. But recently I was hearing about cyber criminals hacking into smart assistants. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Do you mean like my amazon Echo?
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, even your smart watch. I’ve got a lot of smart technology in my house - Smart lights, thermostats, door opener…I even have a smart feed for my cats.
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="IoT devices, otherwise known as Internet of Things devices, can provide an attack vector for for cyber criminals to compromise unsuspecting users. In many cases, these devices are connected to the internet with all of the factory defaults left in place. It’s a cyber criminal’s dream! A cyber criminal is able to access your personal or work computer through a compromised IoT device and steal private information without users having any idea that they were compromised. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Do you have any recommendations to ensure that cyber criminals are not able to access the private information of myself, my clients, and New York Life? "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Wow, thank you for those tips. I know another way that cyber criminals are able to access our information is through phishing scams. 
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="That’s right. Phishers target everyone and we are the last line of defense against a threat that could target the New York Life network. The Ways to Avoid Phishing Scams guide provides guidance on how to protect yourself, your clients, and the Company. In addition to protecting your computer with a firewall, spam filters, anti-virus, and anti-spyware, you should be vigilant when receiving emails. "> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thanks for that opportunity to practice. Cyber criminals are very good at what they do and I know I need to stay vigilant at all times. This information is very timely for me, I’m in the market for a new computer. 
"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Great! Make sure you check out the PC Buyers Guide for the most current guidance on recommended tools and contact the FT Help Desk with any software or device security questions. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I would love if we can spend some of our time talking about guidelines for video conferencing calls. I find that Zoom calls are just easier for my clients to fit in during their busy lives. 
"> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="There are specific guidelines to follow in order to ensure compliance with FINRA, SEC, and state laws, regulations, and best practices. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What about Zoom calls in public spaces? I sometimes reserve a desk in a coworking space in my building and I want to make sure that I am in compliance.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Of course! For Zoom calls, you’ll want to make sure that you are in a private conference room so that nobody else can see your screen or listen in on the call. And you definitely want to avoid sharing any PII on the phone in a public place. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="And make sure that you are exercising caution when using public Wi-Fi. A public Wi-Fi is less secure than your private wireless network because you do not know who set it up, or who else is connecting to that network. Public Wi-Fi may allow cyber criminals to access private information such as emails, login credentials, and other online activities. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="There are two kinds of public Wi-Fi networks: secured and unsecured. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Secured Public Wi-Fi typically employs a captive portal to allow users to access the internet. The user is granted access after providing registration information. This is typical of any Wi-Fi you might access in a hotel room or a rented co-work space.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Unsecured Public Wi-Fi allows user to connect with out any login information. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Both types of public Wi-Fi can put your data at risk. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Thanks for sharing those best practices for connecting to public Wi-Fi. It sounds like using your mobile network connection would be the safest. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, thanks for sharing all of these privacy and security best practices with us today. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="As Mykah and Rocky drive back to the office they reflect on their discussions. They will have a few opportunities to check their knowledge. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No audio."> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Narrator: "> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Great job! You’ve completed this module. Select Next to return to the main screen. "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="It’s great to see you all again. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Agreed! And I’m looking forward to discussing global business and communications.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil:"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" Absolutely. I thought I’d start out by talking about an experience I had early in my career as an Agent. I had met a couple on a ski trip and they mentioned that they were interested in purchasing a life insurance product. During the underwriting process, I discovered that the woman was a foreign national from Spain. They mentioned that they spent the majority of their time living in the United States, but did spent two months every winter at their home in Barcelona, Spain. I wasn’t sure how to proceed so I reached out to my Managing Partner and she directed me to the Life Insurance Underwriting Criteria for Foreign Nationals, Foreign Residence & Foreign Travel. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="This table provides underwriting options that are available to foreign nationals by country based on a scale of one through four. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Looking at Shaun’s situation, can you identify his primary concern at this stage?
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="That’s great!
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Shaun’s primary concern at this stage may be income management and wealth transfer. He may also have other concerns in terms of living with increased health care needs and living on a fixed income."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Once I determined that I could sell a Whole Life Policy for $25M, I finalized the application process. The couple was heading to Chile a few weeks later so I wanted to make sure to do this in a timely manner. While they were permitted travel of less than 90 days, I knew the signatures in the application process had to be obtained while both myself and the couple was in the United States. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="So any signatures obtained while a client is abroad would not be permissible? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="That’s right! Any solicitations, product discussion, or signatures are prohibited when the Agent or the client or the prospect is outside the United States, or in any jurisdiction where the Agent is not licensed."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What would happen if the signatures were received while the clients were outside of the country?
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina"> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=": If a Company review concludes that relevant activities took place outside of the United States, the policy may be subject to declination or rescission. They are able to see this information just by looking at the client’s IP address. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="What about opportunities to work with prospects that don’t live within the United States? Am I able to do that? Are there specific rules around that? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="New York Life has specific guidelines when working with foreign residents. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="All communication (including marketing materials) concerning the solicitation and sale of New York Life products, including all telephone, facsimile, email, or other electronic communication to a foreign national must take place in the United States. 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Rocky: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="That makes sense. Does the application also need to be completed in the United States? 
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, and its more than just the application.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="All eLife Applications, TeleApps, Paper Part 1s, Self-Complete Part 2s, and paramedical exams and labs must be completed and signed while the Proposed Insured is physically in the United States.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="I have a client who lives in another country. Is that the address I use in their application or do I need to use an address in the US?
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="The address of the primary insured should be the foreign residence address. But all applicants and owners of New York Life-issued policies on foreign nationals need to have a US address, all premiums need to be paid in US dollars from a US bank, and all policies need to be delivered to applicants or owners in the US.
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Mykah: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Anything else I need to be concerned about? Particularly regarding financial underwriting?
"> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Adina: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Yes, a financial underwriting review is required in all cases where foreign assets are used to establish net worth. "> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="Here’s another question. 
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="Identify the seminars that are relevant to the Young Families target segment.
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="0"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletFont="Arial" /> </Style> <Span Text="Choose the correct options and select "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="Submit."> <Style FontSize="10" FontIsBold="True" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text=" "> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Sushiil: "> <Style FontSize="10" FontIsBold="True" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> <Span Text="You can find more detailed information in the Quick Reference Guide for Underwriting Foreign Residents."> <Style FontSize="10" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="As Mykah and Rocky drive back to the office they reflect on their discussions. They will have a few opportunities to check their knowledge."> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Looking at Shaun’s situation, can you identify his primary concern at this stage?
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="That’s great!
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Shaun’s primary concern at this stage may be income management and wealth transfer. He may also have other concerns in terms of living with increased health care needs and living on a fixed income."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Looking at Shaun’s situation, can you identify his primary concern at this stage?
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="That’s great!
"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="0" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletFont="Arial" /> </Style> <Span Text="Shaun’s primary concern at this stage may be income management and wealth transfer. He may also have other concerns in terms of living with increased health care needs and living on a fixed income."> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="Great job! You’ve completed this module. Select Next to return to the main screen. "> <Style FontSize="10" FontIsBold="False" FontIsItalic="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Parentheses" Color="#000000" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text="No Audio.
"> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> <Block> <Style FlowDirection="LeftToRight" LeadingMargin="0" TrailingMargin="0" FirstLineMargin="0" Justification="Left" LineSpacingRule="Single" LineSpacing="20" SpacingBefore="6" SpacingAfter="6"> <ListStyle ListType="None" ListTypeFormat="Plain" BulletChar="§" BulletFont="Arial"> <BulletPicture Size="0x0" /> </ListStyle> </Style> <Span Text=""> <Style FontSize="10" FontIsBold="False" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> <Content> <Block> <Style /> <Span Text="No Audio"> <Style FontSize="10" ForegroundColor="#FFFFFF" LinkColor="#FFFFFF" /> </Span> </Block> </Content> </Document>