One small point there GR.
Renewal.
Every year no matter which company I have switched to the previous year will send out the "same" policy for me to renew, every year no matter which company it is the "same" policy will have "lost" coverage you had and added coverage you didn't want or need.
A lot of people think renewing the policy means they are simply renewing the same policy so you can see why they think they have the things covered.
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