Ohhh Family Heritage Life Insurance In 2008 a representative from this company talked me into signing up for for this policy. I was only 18 at the time and my mom thought it was a good idea in case I ever had a future illness or accident in the future and if I didn't there was a future pay out option which seemed like a win win. When I was 25 we called on the policy just to verify the age again when you were able to cash out for the first time. It was extremely difficult to get ahold of someone but when we finally did we were informed after 20 years I would be eligible. Recently I've been through all kinds of medical and family hardships. My grandfather past away hurting mine and my financial state and I was diagnosed with a spinal condition that left me with no choice but to take a leave of absence from work without any pay or options to take care of my medical expenses. During the process of my financial hardships I changed bank accounts as a result of consolidated my debt and after reaching out to the company at least 5 times to try to get my payments to come out of the new one they canceled my policy. This one piece of mail delivered to me was the only contact I had from Family Heritage in years. In a rage my wife contacted them which at that point they finally responded and offered to reinstate the policy (this was weeks ago, we are still waiting for the paperwork in the mail) meanwhile I have a medical condition I am unable to take care of at 29 and have wasted 32 dollars a month for the last 11 years that seems to be fraud. Signing with this company was the worst decision of my life.