In reply to Charlotte Gebauer Koelling.

Charlotte, I used to be an AAL rep and left Thrivent a year or two after the merger. Unfortunately, many of us reps saw the liberalism creeping into the organization within a year of the merger. I am still in the business and very happy with the firm I joined. In my humble opinion, you need to keep that $10,000 policy that is 70 years young as you are hurting yourself if you can't find something better.
As we all know life ins prices go up with age. Now, purchasing anything new or investing any new money with them is another story. You can move your money and investments easily and have the new company make sure there are no penalties.
These old insurance policies like that won't hurt a $75 billion life insurance company if you surrender it, in fact it may help them as they won't have to pay the insurance amount. So just place your "new money" elsewhere.