F.H.
I'm an insurance agent in AZ. Insurance rates get more expensive the older you get. So if you are going to switch, the premiums may be higher, simply because you are older. It also depends on if you are a smoker, your height/weight and health issues and even where you live. Any of the large, well known companies are great...MetLife, Mass Mutual, Travelers, etc. Also, instead of doing this on your own, google "independent insurance agent" in your city and they can help with the details. Good luck!