Hello how may I help you? I have insurance with you guys. Yes How do I go about changing the terms of my life insurance policy? You will need to meet with your insurance broker I don't have time to meet with anybody. Can't I do it online? Unfortunately you have to make an appointment in person or with a phone call. OK, then I will have to cancel my policy and find another company that is easier to deal with. I am sorry to hear that. Bye Bye!