There are many reasons you may no longer need or desire a life insurance policy:
- Loss of a loved one
-need to pay for long term care or medical costs-premiums have become unaffordable
- Divorce
- Beneficiaries no longer need the death benefit- financial hardship- your estate got smaller
- A key executive retired- sale of a business
- Loan repayment
- Policy underperforming your expectations
- Your level term life's conversion period is expiring
- Estate tax law revisions mean your heirs no longer face a hefty tax bill at your death
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