Just read these reviewsDec 25 2014
All you need is to read the following reviews. Every complaint is just. This company is cold,calculated, and incredibly crooked. I am in the process of hiring an attorney for my poor deceased Mother who worked so hard to pay for this insurance so as to lessen the burden on her children. I could never have imagined an insurance company being so corrupt. You are better off saving the money yourself. Wish me luck.