After 15 years, they are now threatening to lapse my whole life policy saying it is in default - Dunless I pay large amounts of money to keep it in tact. I paid 2K last month, and now they are looking for another 3K this month. They are not even offering any explanations. In addition, they are now saying that since I turned 60 I must increase my monthly premiums from 375 to 1775 or the policy will lapse. Total Rip Off Company. User's recommendation: do not use this company.