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@nicolewilliams I’m familiar. The gap will close every year and catch up around the time that the policy is paid up. Long term they are good programs but early cancellation typically results in a loss.

@linc84 Why would you make $12,000 the first month and then go backwards?

@nicolewilliams Usually you have equal to what you paid when you are done funding the policy.

@nicolewilliams Plus if you are 7 years into a 15/20 year programs you likely won’t be able to touch the premiums you are paying. Industry as a whole experienced a decent rate increase for these types of programs and yours is locked in at what you are currently paying.

@nicolewilliams You are likely at the point where your cost of insurance is 0 and every time you pay 1000 you cash value increases dollar for dollar

@lordagary Brokers don’t negotiate with underwriters. Also most brokers would rather you get the best rating possible.

@littlefish40 Check out lifehappens.org and plug some of that information into it along with some questions and you will find out exactly how much protection you should have.