Finally got everything squared away. Farmer's wasn't doing squat with the money and we want to make sure there's enough to pay off the house should anything (God forbid) happen to Brian.
It was the type of insurance that money accrues and we get interest on it, but the interest was pretty sad. There's a much better deal with the new company. But if Brian dies, that money is lost, the only thing I'll get is the actual life insurance. So, Brian can't die. And in ten years (I think that's it), he can pull all of that money out. Cool.
Farmer's automatically took payment from our bank account. The new company is doing the same. I was checking our bank account yesterday and holy crap! They took the payment out FOUR TIMES! Luckily, there was money in there to cover that, but I called our agent and he checked it out today. We should get our money back in ten days. Ten days. The reason I had all of that money in the bank was to pay the overdraft from a couple of months ago when we needed it for the mortgage payment. Now, we'll be getting hit with interest since there isn't enough in there to pay it off in full.
Brian's gonna mention this to the agent (he'll be seeing him later this week). We'll need to be reimbursed for that. It wasn't our bad, it was their's.