Replacing a Bad Life Insurance Policy

I'm sitting with a client right now going over their life insurance policy and it's honestly

terrible. They've been paying into this thing for years and the coverage is nowhere

near what their family actually needs. The premiums are way too high for

what they're getting and there are so many exclusions they didn't even know about.

We're replacing it with something that actually makes sense. Better coverage,

lower cost, and their family will actually be protected if something happens.

This is exactly why you need to review your policies every few years because what made

sense ten years ago might be costing you thousands for nothing.