Can I change from one policy to another using the premiums already paid on the previous?

No.
You can take a different policy but premiums paid for a particular policy
cannot be assigned to another
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How much would I lose if my policy is surrendered?
Surrendering a life insurance policy is an option, but you may not be able to recoup much of the premiums you have paid in. You will be entitled to receive some of your premiums back, but a lot of those premiums will be applied to processing charges ...
How do I effect a change of name on my policy?
Please provide evidence of change of name such as Gazette or Affidavit and complete a change of name form. If the change has to do with spelling error, a valid ID card will be acceptable.
What if I already have insurance coverage?
Even if you already have a life insurance policy, it’s a good idea to review it periodically to make sure it still meets your overall needs. There are times in life you need to take a look at your financial situation, such as if you: Were recently ...
Mode of payment of my policy
Payment can be done via momo (0245287497), using your policy number as reference.
Can I put a hold on payment of premiums?
If for financial constraints, you cannot pay premiums, kindly write to inform us and state the period for which you would like to hold off payment. Note that in reinstating the policy, you will be required to pay all outstanding premiums with ...