We are in our mid 50s, and only intend to keep this insurance until retirement (another 6-7 years). We are in good health, don't smoke, etc. Naturally, as we've aged, the cost has gone up significantly. We both have insurance through our employers, and have had this insurance for 25 years. We have no mortgage, only daughter is on her own and married, and have no other debt, except a car payment. Any advice?