This company is a Total Fraud! They were real quick to sell me on this policy and begin taking bi-weekly payments out of my pay. When I retired they never notified me of status of my policy nor would they refund any of the money I paid into the policy. What a steal and con of your income they pull on you. Someone should Audit them and put them out of business. I also reported them to "American Greed" as I am sure the Marketing & Sales and Administrative Staff are living high off the hog on some cruise or yacht in the Caribbean. If you are ever contacted by these Pirates - Tell them to take a Hike! What a Huge mistake I made when I signed up with them.