While you do pay a yearly minimum premium, it is crucial to recognize that our premiums are tailored to reflect the level of risk associated with each buyer.   Factors such as financial deterioration of certain buyers may prompt us to reduce or withdraw limits as a precautionary measure.   Our foremost priority is to safeguard the best interests of our policyholders and ensure they are not exposed to excessive risk.   It is essential to understand that our credit limits are dynamic assessments that continuously evolve based on ongoing monitoring of buyers' financial health. As market conditions and buyers' creditworthiness fluctuate, we undertake periodic reviews and make necessary adjustments.