Hi, need some advice.

I got an old policy under ING, before AIA acquisition.
Basically the policy is rather out-dated and wants to upgrade my existing policy.
The problem is the ex agent has already left the insurance industry, someone I dont know has taken over my profile.

1. If I want to review my current policy, should I contact the existing agent that I've never met or get a new one i know?
2. As it's an existing policy, how likely they will entertain me? Do they get any benefit such as commisions from it?

I got old and newly purchased ILP from diff insurers.

I want to let my old policy goes into premium holiday for 2 years and cancel it afterwards.
Old policy's cash value is able to sustain more than 2 years, provided that no premium increase.
During the contestable period of my new policy, the old policy is still in force, right?

Those premium amount deducted from cash value will reinvest into funds?