This podcast episode explores how to evaluate life insurance when you're over 60, especially if you already own long‑held policies. Host Karl Eggerss walks through a real client case to show how rising insurance costs, cash value, and personal financial needs all factor into smart decision‑making. He explains why many retirees may not need insurance anymore—yet may still want to keep a policy for strategic reasons. The episode also outlines practical steps like reviewing in‑force illustrations, assessing coverage needs, and understanding options before making changes.
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