Its founder is counting on statistics and the experience of his insurance company partner to achieve this.

Rep also fined and banned for processing transactions to increase his commission.

Falsifying signatures six months on the job, discovered during a file review.

Firm paid $10.8-million in restitution and terminated more than 34 approved persons.

Generational trade-offs and decumulation discussed by leaders in recent panel discussion.

The representative was also required to pay an internal sanction of $50,000 by his employer.

35 pre-signed forms costs representative $10,000; thousands of forms attracts $70,000 sanction.