Policy Advice

[Andrew.Pryor]

54 years old male, Non smoker, Standard rating. I've taken care of his coverage needs as far as a term UL with Genworth. He is paying $150 a month on a $100,000 universal life policy and is looking to do something different with that $150/month possibly if there are better options out there. Should he simply put it into an annuity or keep the permanent coverage? He doesn't have Long Term Care at this point outside of what he has at work. I was thinking of moving it into a combo policy life/LTC. I would like to hear what some of you suggest.

Thanks!