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If you have personally owned life insurance.

Before determining what new life insurance products to purchase, you must consider your existing coverage - including both personally owned policies and any group coverage provided by, or available through, your employer. In some cases, it may make sense to simply add coverage to your existing policies. In other cases, you may want to freeze or drop current policies and purchase replacement coverage. Consider these issues when you're making the decision.

Your professional insurance advisor is trained to help you examine these issues as a part of the comprehensive planning process.