My father, a veteran passed away and shelter insurance sent a refund check to me and it was less than $100. To cash this check i would have had to open an estate ban account. The problrm was it would have cost $2,000 to hire the attorney to file this w the courts. It makes no sense to pay that much to cash a check so small. They would not issue another check to avoid this. I wonder how many other families of veterans they have done this to. Its not the money that is important it was the principal of it. I do not recommend this company to anyone. They do not care about the veterans of this country. I have spread the word about them and i hopr others will to.