As I am doing portfolio reviews with my current clients, I have started discussing their life insurance. All of my clients are happy to share what they have and most of the time I find an inferior product or something that does not fit their needs (i.e. whole life for young people). I have done a lot of replacement into variable life. Clients may not have the guarantee they have in whole life, however if i can't average 6-8% returns in the policies over the long term, then I have done something wrong with their allocations. I really just want to see if anyone else has worked on replacement of insurance. Any thoughts?