There's a couple of angles to this. Your insurance company's essentially telling you that they don't want you as a customer. The Upper 1% won't even meet their criteria for their "Best Rates." If you've been with an insurance company 20 years, you're not getting their lowest rates anyway.
Insurance companies are notorious for quoting low rates to get new customers' business, and then upping premiums 10-15% a year--using inflation as a reason for higher rates, even with no claims. I change insurance carriers about ever 5 years to keep'em honest--and rates reasonable.
If your insurance company's underwriting requirements are so high, go elsewhere. You're not glued to them for life.