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In this tutorial segment, the focus is on the carry-back of a universal life policy. The speaker emphasizes the importance of ensuring clients understand their existing policies to motivate them to make necessary changes. A thorough explanation of their current program can help clients realize its drawbacks, fostering a desire for change. The speaker suggests that providing detailed information upfront will enhance understanding and improve client retention, reducing the likelihood of chargebacks. Ultimately, the goal is to ensure clients are well-informed about their policies and the reasons for any proposed changes.