Not sure from your question if you are saying that your premium changed or just the payment terms? All insurance policies are contracts, so review it and see if they can change the payment terms. If not, then I would contact a local attorney to discuss your legal options.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
From the "additional information" I get the impression that you surely don't know what is going on. There are other ways to complain about issues with an insurance company. The Pennsylvania Insurance Commissioner's office handles consumer complaints. That being said, I can't wrap my head around your facts. You say you've been paying $300 per year for 25 years and suddenly you re billed $300.00 per month, an annual increase of $3,300.00 or over 1000%? That doesn't make any sense. You must be leaving out some facts or you had one weird life insurance policy.
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