I'm not sure why it jumped so much... something about our original policy I'm not recalling.. I do remember them saying that it was going to be a large factor to consider when our first term came up but still 400% seems excessive.. I'm guessing when they did our physicals 10 years ago something they saw had them like "they're going to live X number of years so we can sign them up cheap but we're gonna have to escalate on them big time next term in order to make our money cause they will be checking out and we'll be stuck with the bill."

something like that.. I've been doing the math and this hurts but if we can't find a better deal we'll make it work somehow.

insurance is a racket man my kids better benefit off this ish when I go or Ima come back and haunt the F out of those folks.