They were insurance company for many yrs. then something changed. After some unfortunate events a payment was missed. One!! They sent one email and and a text that he didn't find( he is blind) and nothing else all they had to do if they had a heart was to pick up the phone and call and say hey.. one missed payment and were cancelled! after 30 yrs User's recommendation: If you are always on the ball and can say you won’t ever have any problems in life I’m sure other wise I do not recommend.