While it seems unfair on one hand if the insurance company does not have more money coming in than going out it will close then no one has insurance. I have 2 term life policies, health,2 motorcycles,4 autos,a boat and 2 million in business insurance all so I can sleep at night. Their seems not to be an answer that takes the sting out of your troubles but I hope you can get the insurance you need for your peace of mind.
Art