As we get older, the pounds get harder to shift, leading to higher blood pressure, increased BMI and raised cholesterol.So it’s no wonder that life insurance is generally cheaper when you’re younger and fitter.Unfortunately, this makes it harder to “switch and save”.If you have suffered any serious health issues like cancer, heart attack or stroke, I can confidently say you’re better off staying where you are.The loading/increase on a new policy will make your current premium more competitive than an oil-funded soccer team.