Farmers New World Life Insurance

I purchased a whole life policy from Farmers in 1990. At that time I was told that one of the benefits of this policy were that the premiums wouldn't increase. I paid my premiums for more than 20 years and was recently notified that the monthly premium would be increased, by approximately 50 percent. The options I were given were to pay the increased monthly premium, or the policy would expire.

Based on what I was told at the time I opened the policy, I chose not to pay the increased premiums. I feel I was mislead by Farmers Insurance and should be entitled to continuation of my policy at the original premium, or a refund of the premiums I paid.

On November 11, 2010 I applied for life insurance through Farmers New World Life Insurance. I truthfully and thoroughly completed the application at the Farmers office in South Holland, IL of which the agent's name is Natalie Barnes. The application, I was told would be submitted under MetLife Insurance. At any rate, I recently received a letter from Farmers New World Life Insurance Company stating I was denied due to a Kidney Transplant.

I believe I have been discriminated against due to a pre-existing illness that I was diagnosed with roughly in 1994. Nevertheless, I had a Kidney Transplant 9/27/06 which has caused my health to improve significantly so why am I being penalized? If insurance companies are going to continually deny individual's insurance needs based on pre-existing illnesses then how are people like myself, suppose to obtain life insurance? It shouldn't matter if a person has undergone organ transplants, has cancer, diabetes, or HIV/AIDS; this is definitely unfair, and unjust treatment.