your engagement with us shall be subject to the General/Standard Terms and Conditions/Term of Use governing such insurance policies which shall be amended and published by XXX from time to time...
时间已经过了一个多月, 无数的email 电话, 不得要领-理由是
1)由于系统升级,没有发出改变的通知 -- 这个应该还是公司的责任,而不是保户吧, 按合同有30天的通知期
2)premium 是因为年龄, 可以加的理由是 合同中有一条 fixed premium by the company at renewal