[1] Carey, 62 years old, has shown interest to discuss his financial situation with Esha, his neighbour, who is finally fully certified and has corrected all the little mishaps she had with the AMF in the past. Carey knows Esha works in the business, so next time he sees him, Carey asks him for an appointment.

[2] Next day, Esha and Carey meet at Careys home. Esha introduces himself Hey Carey, I am supposed to introduce myself, but you know who I am. Basically my name is Esha Palante, and I am a financial planner. I work alone, independent, for personal insurance aspects, but I have a partner for all group insurance stuff.

[3] Carey expresses, right away, his doubt against people like Esha. Carey says he did not know that Esha was a financial worker, and that the last one he has dealt with was Peter Smithson who tricked him. Carey found it very frustrating, as at the time he took the time to check that Peter was certified, registered, and could sell the products and services he was offering. But when Carey was supposed to get a lump sum of 50,000$ as he had his stroke and stopped from work for 6 months in 2014, from his critical illness insurance, Peter filed for bankruptcy.

[4] Esha is very empathic and reassuring with Carey, making Carey feel good. He says that he is not surprised, as Smithson was always a crook. I would not be surprised if Peter defrauded you, says Alan, like he defrauded most of his other clients.

[5] Esha reassures Carey that he is not like Peter. For now, Esha adds: We will only do an assessment today. After this, I will return with recommendations and propositions, there is no obligation from you to buy anything. Plus, I will make sure to show you the connections between your needs and the products I will be proposing. Finally, I might have a way for you to get back your 50,000$. So we could invest it back.

[6] Carey now reassured, Esha proceeds to sit down with him. First, he discusses Careys situation, how he married, with 1 kid and not yet retired. Actually, Carey could not find work for since 2014, where he worked only 2 months, after which he suffered a stroke (still in 2014) and had to go into rehabilitation for 6 months. Carey asks Esha what public plans he was supposed to have access to in 2015 (he is getting sick and older and is already followed for high blood pressure), as his own pocket money allowed him to live only with 200$ a month at the time. He also asks what changed since then, and what he could request now.

[7] Carey mentions, as well, wanting to get a group sickness and accident insurance for the 6 employees of his store. Esha, being certified as a group insurance representative as well, fills right away the needs analysis for Careys company.

[8] Esha also meets with Diane and Ben, who walks in at the end of Esha and Careys meeting. Diane says, We already know what we want, only a 100,000$ life insurance on Carey and I do not want this to be complicated or else I will not buy it. Esha takes notes of Diane and Bens requests, without further notes or documents, as he does not want to lose 2 sales.

[9] Esha and Carey having now filled all the required papers: needs analysis, financial evaluation and medical-lifestyle assessment. Esha leaves and tells Carey he will come back with a proposal within a week or two. Esha makes copies of all documents for his client file and sends all the originals to the insurer. Esha security locks in an AMF-approved client records compartment.

[10] On her way out, Esha meets with Francis, a client of Careys store. Francis asks Esha if he sold insurances to Carey. Esha confirms that information and, seeing that Carey is getting old and getting a life insurance for himself, Francis voices the fact that he would like a life insurance on Carey as well. Esha takes an appointment so he can fill all needs analyses with Francis at a later date.

[11] After signing all documents, Esha shakes everybodys hand. Except for neighbour stuff, we should not have to see each other unless we receive bad news, Alan says. Lets hope this takes a very very long time.

Question a) Answer Careys questions about public plans in paragraph 6. Question

b) Identify 4 mistakes done not according to law in the text.