Robert had purchased a $4,000,000 whole life policy 14 years prior when his kids were young and his practice was growing. The policy had $1,200,000 cash surrender value with a $350,000 gain. Robert was frustrated because expected 10 premiums of $58,000, but as a result of a decrease dividend, he had been repeatedly advised to pay for a “few more years.” OWR partnered with Steve to present Robert a number of alternatives including a similar premium with no additional premiums.