We just purchased a policy and feel we made a wise choice. Our rep explained clearly what our options were and how it works. At this point we are happy

They do not give you all the information when you sign up. Like how if you cancel you loss all the money you put into the policy. I got a policy through my employer that was a quarter of what I paid through here so I went to cancel it thinking I would get some money back but was told the $5,000 I paid towards the policy I would lose out on. I would not recommend them to anyone