Recently Ron Rubin of MSL Financial was in the process of closing a new $400,000 target premium 419(e) case when he thought to ask whether the business sponsoring the new plan had a lending relationship with a bank. When the CPA attending the meeting answered that the company frequently used bank debt to finance equipment purchases, Ron asked if they understood the "technical default" language in their loan agreements. It turns out that they had absolutrely no idea that their loans could be called in the event of the death of a "major" shareholder. This resulted in the sale of an additional $1,000,000 of coverage for an extra $22,500 of target premium. All as a result of asking the right question!