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- Your old policy may allow you to purchase more coverage
- If your health has deteriorated, you may get higher rates
- The new insurance company may have a poor financial rating
- You may pay income taxes when replacing a cash value policy
- Your cash value may be reduced because of higher expenses
- Higher interest rate projections may be used on you
- It may be cheaper if you can add to your current policy
- A new suicide clause (usually two years) begins
- A new contestable period begins
- If you cancel your old policy, you may not get a new one
- Your old contract may have lower premiums than a new one.
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