Finally, received the revised insurance quotes of the husband from our insurance agent. It took us months before we finally decided to upgrade his old plan. Of course, with the upgrade comes with change of annual premium, a little bit steep but we decided to take the plunge anyway. It's our protection, and hopefully our retirement money. As we upgraded our old insurance policy, the husband is thinking if we should get another one for myself. From a different insurance company, of course. To be doubly-sure and for enhanced protection. Any recommendations?