Was told on the day ther rep. came to my office that nothing would go in effect till I called and set up information. Have never had insurance through a company I worked for before. So unaware of the procedures they go through. Very displeased and disappointed in the way the rep. handled our appointment. Now im being told I have to pay 6 months of ins. i dont need. Didnt even set up my policy the way I wanted to do either. So im getting scamed out of money for something I didnt agree to verbally. but was conned into signing stating "We would not do anything further until you were ready."