So the old couple in this ad is addressing us from a freaking palace of a house, trying to sell us on the idea that they "thought" they had planned carefully for their retirement but then "quickly realized" that they needed to supplement their income. I wonder why this commercial doesn't feature people who live in an apartment or need to look into retirement communities instead of a couple who are clearly very well off and what they "quickly realized" was six cruises a year were going to add up even for them.
The guy in this ad found out about selling his life insurance policy, but his (wife?) was skeptical....yeah, no big surprise there. Women tend to outlive their husbands. If I were her, I'd be a little skeptical about getting rid of a policy I was likely to benefit from too. But then she saw what the cash settlement would be and decided a bird in the hand, and all that, huh?
So they sold their life insurance policies and now they can enjoy time with their grandchildren, as long as they don't let the parents of the grandchildren know about the whole Selling the Policy thing. I suspect those parents are a lot more attentive to grandpa and grandma if they think there's still a life insurance policy out there to be read to them by a lawyer when these old people finally bump off. Sure that's cynical, but I live here in the real world.