Allstate, an American insurance company, noted that insurers had come to accept widespread customer dissatisfaction as a fact of life.

好事达(Allstate)，一家美国保险公司，注意到保险公司已将广大群众的不满作为既定事实而接受。

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You also may be eligible for lower rates if you had a high-risk job such as a structural iron worker when you first purchased the policy and have switched to a lower-risk job or retired, says John Rugel, vice president of life underwriting and new business at Allstate.

WSJ: Renegotiate Life-Insurance Cost