re: Insurance agent cost me thousands

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I only meant that the policy review is really just a tactic to get you in the office to try and sell you some other type of insurance I.e. life insurance, boat, etc.

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It can be, but if you have a good agent he's trying to protect your assets, and yes that could mean you might need another policy. Assets change and if you're doing it right you will always need to buy more insurance because you as the customer are worth more each year.