Life insurance policies need to b looked at at least once a year !

I was working with a individual who bought 3 policies from three different insurance people and he was asking me for advice as to what to do with his coverages . His coverage is 10 year term , whole life and universal life . I explained the mechanics of his coverage to him and the differences between each policy design . When I asked him about his universal life policy I was told that it is " Maximum Funded " and that the individual has not heard from the " SALES " person for over 3 years since the policy was acquired . Universal Life policies require at least annual review as part of the policy is tied into investment choices . I explained to the individual that he needs to call the sales person and get help ! Chose to deal with professionals !