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hello my name is Jim Jeffrey Im a life insurance broker basically I have set my business up as an independent broker working for no insurance company directly I work for the consumer this is a gentleman who had coverage on his four children and heres what he wrote I replaced less than fifty thousand dollars life insurance coverage on each of my four sons with at that time the coverage was payable for life of each one of my sons for the same monthly cost I replaced it with a hundred thousand dollars life insurance costs on each son more than ten years ago it is completely paid up after ten years my boys have coverage for the rest of their lives Im doing my cost comparison math this saved me over a hundred and eighty thousand dollars in future product costs I also gained a rebate check for eight thousand dollars in cash upon surrendering the previous coverage this covered cash was returned due to over payments made in the previous years to whom I strongly recommend national savings in