calculate the images and i can't ahead to run their data this is something i'm going to be in years in the future the idea is i'm buying this now and i'm going to make these premium payments every year because i want to shift the risk of this costly future resulted with a hundred percent rate increase and now if they're paying all these years can't you can't afford the premium anymore and the whole point the buying insurance is lost is it is there some the terms of the policy to continue those policies long as you pay your premiums on time we can't change any of the terms of this policy without your consent except that we may change the premium rates subject to a political statement sheriff's department approval an reserve the right to change premium rates on a class face it's the premium will not increase because you get older or your health changes your premiums will change if we change if we change your benefit amounts a result of the rest of yours  on page one defines the rights of metlife to increase premium with the approval of the department of insurance that premium rate increase can only be made on a class right basis and cannot be made as a result of an individualized characteristic of the insurance this provision here is there because it is required to be in the policy by illinois state law and it's required to be in the policy under illinois state law because met life has the right limited right to request a premium rate increase in the event that its actual experience differs dollars from a new insurance sale to fund expected claims dollars for a previous insurance so they place the product such that the premiums as a whole would support the claims that are expected from the rock but it wouldn't it's not  so in two thousand and fifty two doesn't thirteen when they requested the one hundred two percent rate increase they had actually originally requested fifty eight percent but again told the president a chance that they would not be able to make that certification if they received an approval at fifty eight percent we believe it's implied from the record and it's a matter of public record that the one hundred percent approval was consistent with the rate regulations and the reason that metlife did not receive approval for the fifty eight percent rate increases because the department of insurance asked metlife to make the certification to request the help it needed to do so in other words rather than request fifty percent department came back met life and said you can't have fifty eight percent because you told us that you need claim fails because the the only experience asserted by plaintiff is related to the experience of actuarial science and underwriting and if that experience were sufficient to create a duty as a matter of law relationship of superior does not approach to to provide information related to that the nature of any rate increase the size of any rate increase it simply reserves backlights right to request a rate increase the approval of the department of insurance and if i saying they want details they're just saying they should know that you don't have the confidence that you have and other types sure but want to make that disclosure in minutes but this crossover looking for is really an opinion as to whether or not one it will be necessary for the court to determine whether or not the premium rate increase was sudden or drastic or stabilise plaintiff described in order to make a case and that's an assessment that i believe the court saw from it is really product and this is the council suggestion that consumers should've known about this report because it could have just googled it this was not two thousand and eighteen this was two thousand and three