Thank you baker.
Q isn't a general complaints department. You'll get more sympathy on Reddit.
I've been around aviation one way or another since I was a teenager. Before MCAS they had an analog system to prevent crashes called a PILOT.
State insurance commission? State AG? There are mechanisms in place to address your grievances. Q is not it.
Slide the bread much? Eyes on.
Sorry about your Dad anon, truly. You have to realize there is no difference between one insurance company than the other. It's the industry itself that has to be taken on. Individual execs are easily replaced and totally expendable as far as most Boards of Directors.
This is all tied up in the mess of the financial industry. Sadly, any reforms or meaningful regulation will come to late to help your dad. It's your children and grandchildren you should be fighting for.
The logical step would be to gather the stories of others in your state who have similarly been wronged by this company. Compile, verify, gather local allies, and then demand a meet with whatever asshole politician has control over the committee overseeing insurance. Take a local news reporter with you. They love that shit. You'll get more exposure than preaching to the choir here.
If you're legit I wish you Godspeed.
Shit. Sorry.