|"I already have a life insurance policy with
another company, and I don't want to change."
|Well, it is up to you whether your insurance only helps your family
if you die prematurely, or whether it also helps keep you alive and happy.
If you like that insurance company so much, perhaps you'd prefer to move
your health coverage there as well?
|Insurance companies often sell policy coverage between each other;
if you already have a policy at another company, with rates locked in that
you don't want to disturb, you may be able to convince your HMO to purchase
the policy. Since your health insurer may be able to prolong your
life further than the actuarial tables the other company is using say,
it would be a good deal for them.