Change Your Insurance? Is Your Insurance Policy Right For You Now? If you have an insurance policy that has built up a cash value over the years it is entirely possible that you are paying too much for your insurance. Utilizing a Section 1035 tax free exchange to move that cash value into a new policy often results in you having more insurance for the same, or even less, money spent on premiums. (See the glossary for an explanation of 1035 exchanges.)If you are still healthy you owe it to yourself and your family to ask that we check it out for you.For more information, click on the "CONTACT US" button or call 1-800-354-PLAN.