After AIG gives you a good deal and you transfer to them, then they increase your rate and force you to pay the new higher bill. They send a sack on yellow, complicated papers to fill out. Then they say you didn't fill it out right and that's where the increase came from. I said I want the original rate you gave me, they said NO this is your new rate you have to pay. They cheat the customers, and the representatives are so rude.