Instead , he led them through the process of surrendering that policy in favor of the new one .
But he left out the fact that Fliehr 's original Guardian policy , with all its accrued value , had yet to expire and could still be used .
Fliehr led them through the process of surrendering that policy in favor of the new one .
But he left out the fact that Fliehr 's original Guardian policy , with all its accrued value , had yet to expire and could still be used .