Advantages of 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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