If you have no pre existing conditions,change companies,simple as that. Another company will write you a new policy for a HECK of a lot less. I switch every two to three years,always have. The wife and I pay $547 a month right now and we're in the second year. That policy includes $250 a week disability for one year. To be honest,compaired to last year,I'm not even happy with that premium. First of the year,I'm going insurance shopping.
What happens is,with an individual policy,you're put in a pool with other individual policies. At first,they're taking in premium money,but paying out very little. As time goes on,they have to start paying out of that pool. Then they have to raise premiums. People drop their policies,then eventually the pool is costing more than it's taking in and the premium keeps going up as they try to force the rest out.
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Today's Featured Article - Good As New - by Bill Goodwin. In the summer of 1995, my father, Russ Goodwin, and I acquired the 1945 Farmall B that my grandfather used as an overseer on a farm in Waynesboro, Georgia. After my grandfather’s death in 1955, J.P. Rollins, son of the landowner, used the tractor. In the winter 1985, while in his possession the engine block cracked and was unrepairable. He had told my father
... [Read Article]
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