We got a phone call the other day from our Farm Bureau guy about the life insurance. We are currently paying $86.22 for a $50,000 term life policy + $50,000 whole life policy. The whole life policy is worth about $1300 now if we surrender it. This is the guy who almost talked us into dramatically upping to a variable universal life insurance policy. In fact, we signed the papers, but I pulled back the next day:
http://www.savingadvice.com/forums/investing-banking/35137-did-i-make-big-mistake-vul.html

Well, he must have somehow found out we were looking at a different life insurance policy, because he was pressuring us again. I told him, "I want a quote for a $300,000 policy. We found one for $50 a month, can you beat that? If not, we are switching" He said he could find a $300,000 policy for 15 years for about $50, but for 30 years it would be more like $80. But, there would be a discount on our other insurance (5% a year). I told him to give us some estimates and I'd have to figure out if the 5% a year balanced out in our favor.

The one we found through Prudential was $300,000 for 30 years for $50ish a month, so it might have been close, but I just got a phone call today that said that DH qualified for a discounted rate, and it would be $30ish a month for 30 years! Saving us over $50 a month for triple the coverage.

The process of switching has been a real pain in the patootie, but worth it.