In the 1960s, the KGB did some fascinating psychological experiments. They learned that if you bombard human subjects with fear messages nonstop, in 2 months or less most of the subjects are completely brainwashed to believe the false message to the point that no amount of clear information they are shown to the contrary can change their mind. For this reason when clients tell me the story about how they had paid premiums for over 20 years and that they felt like they were in good hands, I have great empathy for each one of them. We have all been told by advertisements how dependable and reliable and great the carriers are, but what happens when that is not the case? What happens when they don't treat you like a good neighbor, or give you the results you need? You really have 2 options: 1) you can sit back and continue to be mistreated or 2) you can fight it. If you fight it, fight to win, nothing less.