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here in the business insurance on with me Steve sabang national insurance columnist and financial color commentator and on todays show were talking about 162 double bonus but this time were using restrictive endorsement bonus arrangement we have all the docs all the samples and all the illustrations you wont want to miss the show when it comes to life insurance annuities long-term care disability or group pension plans weird the news you can use well welcome everyone to the business insurance on Im Steve savant and were broadcasting to a nationwide audience of financial professionals right here in fountain hills Arizona home of Americas largest continent with me today Dave five and all this week ken Davis clu chfc CFP and CPA hello Stephen could see it I have that down there than you do yeah I think you do I think heres one announces it I love it you all you know I like having Ken in here ken is one of the few ce pas who get our practice and I have to say ken starting to develo