The following are red flags that may require filing a SAR EXCEPT:

Early termination of a product, where cash was tendered and$/$or the refund check is to a third party

Early termination of a product, where the refund check amount is over $$5000$

Substitution, during the life of an insurance contract, of the ultimate beneficiary with a person without any apparent connection with the policyholder

Requests for a large purchase of a lump sum contract where the policyholder has usually made small, regular payments