I recently just had my insurance reinstated. I had a little bit problem with my account, is why. Tomorrow, I am going to submit some documents to modify my account to my married name. Yes, I am only doing this at this time even if I married 3 years ago. Talk about major procrastinating! Anyway, one thing I learned when I signed up is to study all life insurance quotes before coming to a decision. You must find the best offer, get the best coverage while paying for less. I am glad I ended up with my current agent, because she is taking care of me and my account beyond my expectations.