After more than 10 years of having optional life insurance, they requested a physical, then cut my insurance plan due to a "mild case of anemia", so now i am out 10 years of money that i paid into the plan.
Liberty Mutual is a company that will take your money and run.
They will not refund your money in order to go to another company to find coverage.
They are nothing more than a scam in order to take peoples money and give nothing in return. This is due to the lack of regulation of insurance companies in the U.S.A