This unit is for internal educational purposes only and is intended to help agents identify situations that require additional review or may not be appropriate for a life insurance-based strategy. Agents should not attempt to avoid underwriting limits, financial justification requirements, insurable-interest rules, carrier guidelines, replacement requirements, or suitability obligations. Any case involving alternate insureds, trusts, unusually large premiums, limited liquidity, borrowed funds, or state-specific restrictions should be escalated for review before presentation or application.