I am in a similar situation. My attorney says there are modest risks to the move as the new job is arguably different than the current one. I decided not to take the risk.
Old policy: 1 points purchase + 10%x1 points bonus + 4 points category bonus =5.1% New policy: 1 points purchase + 4 points category bonus + 10%x(1+4) annual dividend = 5.5% If you maximum the $6000 annual bonus category purchse, under new policy you will earn 2400 points more than old policy.
【在 p******a 的大作中提到】 : Old policy: 1 points purchase + 10%x1 points bonus + 4 points category bonus : =5.1% : New policy: 1 points purchase + 4 points category bonus + 10%x(1+4) annual : dividend = 5.5% : If you maximum the $6000 annual bonus category purchse, under new policy you : will earn 2400 points more than old policy.