As a registered client on your selected insurance company, you have the right to stop, know and make changes to your insurance policies and rights if your chosen insurance company is flexible enough to do so. By applying all the changes you want for a certain insurance company, the annual amount you will have to give might change due to your requests, but this muchly depends on how large the insurance company you are in.
The larger the better they say, and likely, it is much better to rely on a government based insurance system or company. This will ensure your account is in a safe package for the government is funding your requested needs. Some might take long, but the security it gives will give you the uttermost satisfaction.