1. 投保人选择退保不仅会承担较大的退保损失，而且退保后再购买保险，保险公司将以购买时的年龄作为新的投保年龄，而通过“保单转换”调整保险计划，新保单的投保年龄与原保单相同。
2. 退保后再购买保险，保险公司需要重新核保，投保人面临被拒保和增加保费的风险。而通过“保单转换”调整保险计划，保险公司一般不会进行二次核保，并完全按照投保人初次投保时的核保等级来进行费率的计算。
基于此，投保人在调整保险计划时，应充分利用保单赋予的可转换权益，尽可能通过保单转换达到完善保险计划的目的。
1. The policyholder who chooses to surrender the policy will not only bear the larger surrender loss, but also purchase the insurance after surrendering the policy. The policy entry age is the same as the original policy.
2. If you buy insurance after surrendering your policy, the insurance company needs to re-underwrite it, and the insured faces the risk of being denied insurance and increasing premiums. By adjusting the insurance plan through “policy conversion”, insurance companies generally do not conduct secondary underwriting, and calculate the premium rate in full accordance with the underwriting level of the insured when they first applied for insurance.
Based on this, the insured should make full use of the convertible rights conferred by the policy when adjusting the insurance plan, and achieve the purpose of improving the insurance plan through policy conversion as much as possible.
保单转换的常见考虑因素
Common Considerations for Policy Switching
可转换时间点的灵活性 Flexibility
保单可申请转换的时间，通常在投保满一定时期至缴费期满前一定时期之间。
The time when a policy can apply for conversion is usually between a certain period of time when the policy is fully covered and a certain period before the payment period expires.
保单转换的成本 Cost
保单转换计算时，一般都要扣除一定费用。
When the policy is converted, a certain fee might be deducted.
转换后保额的变化 Face Amount
有时在完成保单转换后，若不增加保费，保额可能会大幅降低。
Occasionally, after completing the policy conversion, the sum assured may be significantly reduced if the premium is not increased.
转换后收益的变化 Growth Change
有时在完成保单转换后，同样的保费，保额不一定会降低，但预期平均收益率会降低。
Sometimes after completing the policy conversion, the same premium, the insured amount will not necessarily decrease, but the expected average yield will decrease.