- When you are 56 years of age or older
- When a policy is lapsing or being surrendered
- When there is no longer a need for the security that the policy provides
- When Premiums have become unaffordable
- When Funds are needed to pay for long-term care or health care costs
- When Financial hardships are present
- When there is a need for new life insurance, annuities or long-term care
- When the insured has outlived his or her beneficiaries
- When there is a change in the health status of the insured
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Free Policy Evaluator
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