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Jphale7

Exactly, the code standard about placing the client first is about balancing these risks in an informed way to ensure the client is able to make the best decision from them. If they understand the risks and non-disclose or cancel existing cover before new cover is completed, you're less likely to face an at fault complaint, the client will probably still complain. Replace benefits and not do it in an informed way, expect complaints, it's really quite simple.

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