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welcome to the free life insurance training videos brought to you by no out none other life insurance trainers Im Martin Militello so lets talk about replacing life insurance you know when I train new agents this is something that is one of the sticking points of training so lets jump into some things to think about when replacing life insurance and you may need to watch this over and over and over so that you when and if youre in a position of replacement you understand what you need so if youre replacing term you need to find the date of issue you need to find out how long the term length is and so if it was issued 10 years ago and its a 30-year term then its no longer a 30-year term right youre competing against the 20-year term now thats why those two things are important you need the health rating itd be nice to know what rating they got 10 years ago to see what youre competing against and you need to know the premium of course now what Ive done really well at when and