This company has been deducting 17.85 out of my parents account since my father passed in 2008 and everything was switched over to my mother. In going thru my mothers accounts I found this charge. She know nothing about this supposed policy and has no paperwork for it. These charges started after my father died and the supposed policy is in his name. Like seriously? I called today and they will not refund any money but did cancel the account. They managed to suck out 2570.40 from a widow. Always be aware and check your statements regularly.