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Rob 1. Regardless of competitions, I am sure in the agents manual it must state that business and cash must be submitted to the office within a certain period. Yes.2. I am sure they all had a copy of the rules for Japan, so they can't say they did not know, so can you check what the rules say. They all had. The Japan rules say "Every case must be submitted within 01 Jan - 30 Jun 2015 and must be issued by 15 Jul 2015. It does not mention the UL submission rules. I checked with the banana girl and the UL submission rules was announced a few years ago when we launched the UL product. According to the UL submission rules, an agent can submit a case without cash. After the case being pre-approved, a memo will be sent out asking the agent to collect the premium and bring the money to MIT the next day before 11 AM. It is because mutual funds are not deposits and are subject o investment risks. 3. I think holding business or cash can result in termination or at least a warning. Agreed. She thinks there is no point submitting business when her premiums are not counted for Japan. In my opinion, whether she knows the rules of UL submission or not, she chose to listen to Axz's suggestions. She was at her own risk. It is surprising to me that she did not double check with someone else.
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