Can we trust Insurance Agent?

 Just sharing on my recent "Insurer Roadshow" encounter.

The "smart" agent advised on my wholelife insurance policy:

1. My ilp policy has high mortality charge after age 60; this can eat into my Cash Value.

2.  Earlier year wholelife CI does not cover early CI.  It's CI coverage is not comprehensive too.

I was then advised to surrender my old policy, then buy from them; at least the CI allows for early CI.

Funny logic.  

By my age 60, I will still experience high mortality charge for my new policy with them.

And now I am enjoying near breakeven in my total premiums, why would I want to surrender?

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