Last month I delivered an FIA. Aside from the insurance company delivery docs I also made my own disclosure document. Here is my delivery DOC Insured name address etc. Name of Insurance company Signature and date Bonus amount Signature and date Surrender charge Signature and date Participation Rate Signature and date Cap Signature and date All of the above were explained to you and you understand the features Signature and date End of DOC Of course the above was already explained and signatures required with the application. I thought that a re-visit with signatures at delivery point would be good. Not sure how many more times or how much more someone can do to verify that disclosure was done. I appreciated any ideas to add to the above DOC. I've discussed before of my risk management of clients such as time stamped phone calls, deliveries, etc. Last week I had a bookkeeper call and say that one of the employee's said they did not receive their insurance card. I popped up the Client Contact, opened up the meetings screen and recited the exact time and date of delivery. I use my PDA to time stamp when I am out on an appointment. The bookkeeper was amazed that I had delivery records down to the time of day. As amazing as she was at my records, she was also amazed at how clear the employee's mind became when she relayed the information. Yep.....he had his card.