I am in the process of changing insurers, because the one I have (a locally issued policy)  reserves the right to not renew a policy at any time for any reason, as well as to raise the rates to any amount at any time. They advertise lifetime guaranteed renewal but the actual policy wording is quite different and I have heard enough reports to indicate that they will avail of these clauses should I ever develop a serious chronic condition. I haven't had any problems with them yet, because I have