Kevin and Lalita have a joint, first-to-die whole life insurance policy for $100,000 that they purchased when they were married 35 years ago. It was originally intended to provide mortgage insurance coverage, but that need has long since past. Kevin and Lalita mention that another life insurance agent, a representative of the Beacon Insurance Company, stopped by to introduce himself the other day. He suggested they cash in their whole life policy and purchase a universal life insurance policy with the proceeds. He says that they could earn potentially higher returns in a universal life policy, and he also said that he was prepared to make a special cash back offer - if they bought a policy from him, he would give them an extra $2,000 in cash to do with as they choose. They want to know what you think of the offer.