Very Disappointed by Hollard Funeral Insurance Treatment

Took a Hollard funeral policy for my family in 2003. Been faithful through out the years in paying my premiums. When I asked them to keep my premiums and benefits the same this year as I could not afford anymore further increases, Hollard refused and indicated according to their policy I have only three options, either to Reduce the policy benefit, enter into alternative policy or cancel my policy. Shocking response indeed. There was a complete disregard of the fact that I have been with them since 2003 and the fact that I never defaulted on my premiums. No willingness whatsoever to keep my premium and benefits unchanged. I am very disappointed Hollard.