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For yrs . we paid for ins with CNA thinking that it would be there to take care of me if my husband died first. Now interest rates have dropped and they are not making any money on the investment they say they are going to drop us because it is term ins but we can pickup a policy with less coverage and higher premiums. My husband and I retired and he took his full retirement thinking I would be cared for . Now Cna says my husband is uninsurable for health reasons , the only health [problems he has are a bad back and hypothiroid,you don't die from either. I smell scam. Bah humbug.