There is a simple answer - CHANGE plans - they all have the same coverages according to the Letter, example G, H, but have different premiums. I have gone from Mutual of Omaha, to World Life Omaha (to reduce premiums) and finally now I'm with Aetna. My premium is $161.00 plan G per month. I work thru a broker and when the premium gets to high he switches me to the same Plan G, just with a cheaper premium. I am 75.
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