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Please ensure it is 900 words min, 3 pages. You MUST have a least three (3) citations from related insurance planning textbooks, scholarly journals (e.g., The Journal of Risk and Insurance, Journal of Insurance Regulation, Journal of Financial Counseling and Planning), and at least one citation from a related trade publication (e.g., The Journal of Financial Planning, AFCPE: The Standard, Insurance Journal Magazine). 

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