 And that's a good thing to do. Maybe you want to make sure the kids have their college paid for, the house is paid off. There's a whole plethora of reasons why you have life insurance while you're working. But when you retire, life insurance changes. Not necessarily the policy per se, but the need and how it works and why you might want to have a certain amount of life insurance takes on a whole different meaning. And that's what we really want to talk about today. And sometimes those policies that people had for many, many years just aren't as efficient. And we're going to talk about why