1-The landscape of what is available in the insurance and financial industries is constantly changing and evolving. It is important that you are aware of the cutting edge products in the industry that could be a significant upgrade from what you have and save you in premium dollars. You may have an older product that is underperforming severely compared to other potential options, but you leave it simply because you are unaware of other options! It is your advisors responsibility to make you aware of the best options for you on a continual basis!
3-You need to know that your advisor is still heavily involved in the business and therefore up to speed with all the current best products in the industry. Many advisors are semi-retired or lower their activity level in the business after a time, and consequently are not up to speed on the new products available in the industry that may be a better fit for their clients. It is very easy for advisors to fall behind if they are not careful!