Many existing life insurance contracts were sold based on overly optimistic financial expectations, such as higher credited interest rates or dividend scales. Policyholders may be shocked to learn that what was supposed to be a level or limited premium schedule will require much higher premium payments to keep the coverage in force. Spetner has expertise in analyzing and projecting how current in-force life insurance contracts will fare in the future. We also can provide unique solutions to give you the coverage you thought you bought at the price you expected to pay.