How do I switch my life insurance policy?

It depends if you want to switch life insurance companies or only switch plans with your current life insurance carrier.

To change a life insurance company you should shop for different life insurance coverage first to find out what coverage you want to replace your existing plan with.

Cancel the old life insurance coverage to collect any cash value from old life insurance policy. It is never advisable to surrender a life insurance policy until another policy is in force. 

To convert one life insurance policy into a new plan advise your life insurance company that you want to convert your policy.

If you have a term life insurance policy and want to convert it to a permanent life insurance policy just tell your life insurance agent. You may convert term life to permanent life insurance.