This company should be investigated at the highest levels. I have coverage on 2 of my credit accounts with them. Nowhere in their paperwork does it say that they consider teachers as 'seasonal' or 'temporary' positions and they will not pay. My campus closed due to their failure status, and I was laid off. This was verified with my state unemployment office, and yet this company wants to humiliate me even further by labeling me as 'seasonal' or 'temporary'. I have had no issues with my other credit account insurances with a different company. Do not take out their coverage!