Over time, the law as well as a client’s circumstances, goals and objectives change. Often, a client feels that life insurance is no longer needed and considers surrendering the policy for its cash surrender value (CSV). But, is that the right decision? At that time, perhaps the best advice you can give your client is, “Hit the brakes!” Many times, it’s not that the client doesn’t need insurance, it’s that he doesn’t like paying for it. Life insurance is an extremely complex financial vehicle
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