We’ve noticed many of our clients are still paying life insurance premiums when they no longer need to. Others are no longer paying premiums but they don’t realize that they can exchange their existing policy for a new one that has a much larger death benefit without having to pay any additional premiums. If your policy is more than 5 years old, you should have it reviewed. We advise that you have it reviewed by a skilled professional other than the agent who sold you the policy. For a referral to an agent who will review your policy, at no charge, please call us at (949) 833-8891.