Advice, Tips on Replacing Coverage

I've just gotten appointed for FE but have been doing mortgage protection for a number of years. I don't ever remember actually replacing a policy while doing mortgage protection insurance and certainly don't feel comfortable doing it. What % of sales do you think that you are replacing other coverage? What are some tips to know if what you are offering is better than what they have? Do you mainly replace a term or UL that is going to change in price at some point in the future, or are you replacing whole life policies as well? It seems like it would be questionable to replace any whole l

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