I have a had this policy for 25 years. The rates were locked in for several years. That part has expired and now my rates go up every year. My kids are both grown and out of the house. I've had another term policy for several years. I would like to cancel this policy as the premiums are more expensive and the coverage is less. I have read the original policy but it's pretty vague. Will I get money back from the interest dividends? Is there anything that I need to know before I cancel it?