Missouri’s preneed seller records proposal would require preneed sellers to retain all communications that relate to their preneed contracts:

Any written (including electronic) communications between the seller and any preneed agent, provider, trustee, investment advisor, insurance company, purchaser and/or beneficiary of the preneed contract and any other person related to preneed contracts and the funding of those preneed contracts;

Communications will often flag potential problems to an auditor, and accordingly this provision represents a crucial record.   The potential problem with this provision will regard how the State Board expects communications to be organized and stored.   Some communications might need to be stored based on their source.  However, communications that are specific to a particular contract, should be stored with that consumer file.   Funeral directors are bound to ask if this provision is going to require a redundant set of records.