<title>Troubleshoot life insurance in the Lifetime Planner</title>
<category>lifeplan</category>
<klink type="trbls">Troubleshoot life insurance in the Lifetime Planner</klink>
</index>
<content>
<p>What are you having trouble with?</p>
<extend>
<tease>I have a cash value (whole life or universal life) policy, so my premium includes two components. Therefore, I don't know what amount I should enter when I'm asked for my total payment.</tease>
<reveal>
<p>You should enter the full amount you pay every period (for example, every quarter). To update the policy, go to the <emph>Life Insurance</emph> page under <emph>Savings & Investments</emph>. Click the policy, click <emph>Edit</emph>, and then click <emph>Payment Info</emph>. On the <emph>How much are the payments?</emph> screen of the Edit Policy wizard, enter the amount of each component in the <emph>Term portion</emph> and <emph>Accum. account portion </emph>boxes. When you finish, the amounts in these two boxes should equal the amount in the <emph>Total payment</emph> box.</p>
</reveal>
</extend>
<extend>
<tease>I can't decide whether I'll renew my policy when it expires.</tease>
<reveal>
<p>Think about where you expect to be at the expiration date. Will you have accumulated enough savings to take care of your dependents? Or enough savings that your dependents would no longer need the full amount of benefits your current policy offers? If not, it's a good idea to plan to renew your policy.</p>
<p>If you're still not sure, it's better to click <emph>No</emph> when asked whether you'll renew the policy. That way, your lifetime plan will be conservative, because it won't show the benefits of a life insurance policy you might not own. You can always edit the policy renewal information if you decide you're likely to renew it after all.</p>
