Apart from comparing cover and costs, what other key factor should usually be considered if a financial adviser intends

[answerhappygod]

Apart from comparing cover and costs, what other key factor should usually be considered if a financial adviser intends to recommend that a client cancels an existing term assurance policy and replaces it with a new one?

A. The insurable interest
B. The underwriting requirements
C. The secondhand policy market value
D. The chargeable gains