Final answer:
Option B, which states 'Comprehensive coverage may increase under the new policy,' is NOT a problem when replacing life insurance. It could be beneficial, contrary to the issues arising from possible financial loss, higher premiums based on age, and additional issuance costs of a new policy.
Step-by-step explanation:
The question deals with identifying which aspect is NOT a problem when existing life insurance is replaced with new coverage. Analyzing the options provided, we can determine that Option B, "Comprehensive coverage may increase under the new policy," does not pose a problem; rather, it could potentially be an advantage, assuming all other factors are acceptable. Problems arising from replacement typically include financial loss due to the surrender of built-up values in the old policy, higher premiums due to the insured's attained age, and additional costs for issuing the new policy.
It's important to note that insurance is a way of sharing risk, where individuals in a group pay premiums for coverage against particular events. A new insurance policy could have different costs associated with it, especially if attained age is taken into account. Moreover, changes in policies must also maintain a balance within the insurance company so that the premiums cover claims, company costs, and allow for profits.