I put up with Assurant for 1 year. During this time, I had a couple of dental claims and 1 visit to the ob-gyn. Not one claim was settled easily. Each time a claim was filed for things that were covered, Assurant would send a letter to my doctor/dentist and say that I was not covered. They even told the doctor that I only had life/car insurance with them. I didn't have either of these! I only had health insurance.