What Should I Consider Before I Swap An Old Policy For A New One?
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UPDATED: Sep 15, 2020
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Make sure the new policy is better. This may be most evident by a reduction in the conditions that must to be met before benefits are paid. For example, you may want to switch from a policy that requires a prior hospital stay or other prior levels of care to one that has no such requirements. The possible disadvantages include new pre-existing condition restrictions, new exposure to cancellation for misstatements in the application, and increased premiums base on your current age.