Life & Accidental Death : Life Insurance Articles : There is No Free Insurance Some insurance agents will do just about anything to squeeze the cash value out of an existing policy so they can earn a fat commission by selling you another policy. How will you know if an agent is trying to churn you? According to Alan Press, an buying life insurance buying life insurance insurance agent and former president of the National Association of Life Underwriters, and other experts, the modus operandi of replacement artists features these dead giveaways: Blasting the old policy: The process usually starts with an agent - often a new agent who has been assigned to you - telling you he or she can get you a policy with more cash value and a life insurance tools buying life insurance higher death benefit for the same premiums you're paying now. You may also hear that your current policy is a lousy investment or a bad risk because the insurer is on the brink of insolvency. Demand that such claims be backed up by asking the agent for the financial ratings from three of the five firms that rate insurers: A.M. Best co., Duff arizona homeowners insurance buying life insurance & Phelps, Moody's Investors Service, Standard & Poor's Corp. and Weiss Research. (Note: information from these services can often be found through your city/county library). Refusing to provide side-by-side illustrations: Instead, you're likely to get hand-drawn diagrams. What you need are formal illustrations - on the company's letterhead, not the agent's - showing guaranteed premiums, cash values and death benefits, as well as what business insurance buying life insurance they might be if