through thrivent, my moderately healthy 78 year old father has a $175k policy that expires when he's 81, $300/month premium.
have the option of extending that to 90, and up the premium to $800/month, or lower coverage to $100k and stay at $300/month
need to keep some sort of death benefit to pay off his debts
leaning towards the second option, but curious to see if anyone has any better ideas or options to suggest
thanks!

