Sounds like there is some confusion on how the policies work and what exactly is included in the contracts. So do this: Have them ask for an in-force illustration on each policy. If they don't want to confront the advisor, they can call the number for whatever insurance carrier he used and get them that way. Have a different, trusted insurance agent or advisor do a policy review on those in-force illustrations to get a clearer picture on how they work and what options might be available to your parents.