Ron….

How could they have rated you on your insurance policy that you got before GBS. It had to be a pre-existing condition on something else you had before you got your policy. You give the insurance co. the right to check up on your medical condition when you sign the application for a life insurance policy, and I would say they found something there to rate you on. They cannot rate you on something you get ,like GBS, after the policy is issued. Ron, another thing you may want to do, and any others who are disabled, if you have premium waiver on your policy, and I bet you do, because most life insurance policies do have. You do not have to pay your premiums anymore; as they are waived and the insurance Co. pays them for you as long as you are disabled. I do know a few things about insurance as an ex Property and Casuality, and life and health agent with some of the biggest companies. Ron, I do hope this helps some.
God bless,
Drummer