Now and then, insurance companies will pull fast ones. E.g., insured dies of heart attack two years after buying policy, preexisting condition even though pree

Now and then, insurance companies will pull fast ones. E.g., insured dies of heart attack two years after buying policy, preexisting condition even though preexisting exclusions go away after one year according to policy. Put mostly the dim view of insurance companies comes from health insurance in the US, which is a catastrophe. Or someone gets cut rate car insurance and has trouble with a claim. How do you think they keep the rates so low?