如何切換人壽保險公司？
如何切換人壽保險公司？
 In short, you can't simply switch companies for your existing coverage - you need to apply for a new policy with the new carrier and go through new underwriting. Once the new coverage is in force, you can let the old policy lapse on its own (by no longer paying the premiums) or outright terminate it. The advantage of buying a new term insurance policy is that you have a new term period to work with. For permanent insurance, you may find a policy that offers lower monthly premiums or features better guarantees inside the policy - completing a 1035 exchange (rolling over the cash value of the old policy to the new policy) can reduce your monthly premiums. If you have a term insurance policy, you may have a conversion option available that would allow you to convert all or a portion of the face amount from a term policy to a permanent program - this keeps the same risk class as the earlier program and does not require any new medical underwriting (a great advantage if you've got preferred rates and have a medical condition that puts you at standard or sub-standard rates or would otherwise decline you under a new policy).
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