Consider going “self insured” where you put so many $ per month into a separate account.

The insurance industry has always been subject to up and down cycles where their estimates of future claims are either high or low.
They are going through a minus period beyond their control, since “market interest rate” has become “government desired interest rate.”

Charlie Munger who has outlived the expected life tables at 99 started his career as a weatherman, and advised his partner Warren Buffet to buy GEICO Insurance, used to issue billions of $ of “Catastrophe Bonds” 25 years ago in the Re-Insurance market because he judged the bond interest level made then profitable, but stopped doing so 7 years ago.

Insurance situation in the USA bad,
with Florida and California particularly unfavorable to the insurance buyer