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@seekeroftruth0 Thank you for taking the time to respond. I appreciate it. And that gave me some insights indeed. If you’re ok with sharing the form. Please do. Anything will help. I appreciate it again.

@hannahjane This is where i get lost. You got term which is mainly just death benefit. Correct ? One to protect each other. And another for kids. And then you bought another term 5-6 years later. Why add another term to the 30 year and 20 year already have ? And WL added after that. Which...

All right. I’m aware that this has been asked many times. I’ve been a lurker mainly. Don’t really post much on Reddit tbh. Anyways. I need help on how to go about it. How do one even find an agent that doesn’t “sell” but actually takes time to explain and explain what policies are etc...

@mrsavage Would you be kind sharing some more info to me. If that’s ok. I understand what you’re saying. But would like it if you elaborate if it’s all right