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okay heres a five in a PowerPoint presentation that will explain the newbie star buy-sell agreement package so firstly the participants who is involved Hall the Wilcox the lawyers theyre based in Melbourne theyve given all the legal advice and drawn up the buy-sell agreement theres lords who are the underwriter from London and as you all know theyre one of the biggest insurers in the world theres no laws were these our contact in Australia if you have an underwriting query hes the man that youll contact and Ill explain why in a later video that you watched but Noels the bloke that you may or may not have to speak to where called specialized insurance group with a product developer and distributor based in Melbourne theres Tim Ill stop one of the principles Angus Elliotts and theres myself as the sales manager youll snow dust there that were all X financial planners and the whole concept behind this was about four years ago we were sitting around discussing just how diff