[Rick Lee]

Again, it's a commodity. Nothing unique about it. You die, they pay. And again, 90% of my business is fixing the mess people have gotten into with other, worse policies. When I call someone's current insurer to find out what they have, I have my phone on speaker and ask them questions they can only hang themselves by answering truthfully. "Oh, there's a $5000 loan on that cash value? How many payments has he made on that? None? How long until that policy implodes on itself?" Easy peasy. Read your paperwork. Ask your agent to come over and explain it in person if you don't understand it.