Replacing A Life Policy

Your old policy has a low minimal return or no guarantee on your principal
Your old policy has high expenses or is expiring
Your current carrier has deteriorating financials
New level term rates may be much lower or you're over insured
Your health may have improved & the carrier won’t reconsider you health
You’re currently paying smoker rates

When buying new policy:

You get a free look period to examine the policy
You can cancel the policy within the free look period
You have a grace period on your old policy, if you should have buyers remorse
Make sure low cost term life premiums are level
High pressure can be a warning sign, but might also signal a product that has a short offering period, like one that is only being test marketed
Stick with an agent that has one specialty

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