Insurance licensees must consider instances where there is a significant, unexpected or unexplained change in the behaviour of policyholders' account (e.g., early surrenders). Insurance licensees must be extra vigilant to the particular risks involved in the buying and selling of second hand endowment policies, as well as the use of single premium unit-linked policies. Insurance licensees must check any reinsurance or retrocession to ensure that monies are paid to bona fide reinsurance entities at rates commensurate with the risks underwritten.