I sucked about it and in the end didn't.
I was downgraded to A2 at age 38 but the paperwork was 'lost' until I was 45 and well assimilated. By then I was blind as well as deaf. All I needed next was daft.
In short I remained A2 until I retired. There are plenty of jobs that they can shove you into that do not need A1 cat.
You might not like the idea but all the insurance does is save your flying pay whereas without insurance you retain the FP and may fly too.