Cuz the agent is deemed to never do a good job in finding out client's finances before selling.
This kind of policy is a lifetime commitment. It's our job to make sure the client can afford the premiums before getting them to make a commitment.
This is to protect the clients from agents who just want to spin money out of clients
my GE agent is my auntie intro to me one.
that why she say I will sabo her friend.