just to share my experience with Allianz, I have a medical policy bought in 2006 and its lifetime limit is only 3 times its annual limit (annual limit is 50,000 and lifetime is 150,000). In 2009, I received an endorsement from Allianz notifying me that my medical lifetime limit has been upgraded from 150,000 to 500,000 WITHOUT additional premium or cost! Wow, this really a good practice and and thanks Allianz for this treat. My wife policy from Prudential was not that lucky. She received offer from Prudential that her annual limit will increase BUT the lifetime limit stays at 3 times annual limit. And to only increase her annual limit, she has to sign an acceptance letter cause the offer comes with an INCREASE in PREMIUM! Now she has changed her policy to Allianz:)