They r trying to have me pay for a policy my husband took out n he is dead but still want me to pay monthly n I told them I don't want it now I'm waiting to see what they r gonna do with that policy or am I even gonna get the money due to me since he died lol we will see n if not they hadn't heard the last of me they r very stupid User's recommendation: Do not take American income life they will cheat u no matter what u. Want.