Don't be afraid to shop around. Mine has steadily increased over the past 10 years( averaged 10% increase per year). I decided to get a few quote and it dropped significantly. Time consuming process, but well worth it.
Holy cow time does fly. Last we talked she was a toddler. I hope I get some time off then too. We're going the midwife route this time! Hoping it's way more smooth and healthier. So far pretty impressed with the lady she chose. Thanks for the offer!!!