The rep came to my job and signed me up telling me exactly what i wanted to hear to sell his product. i had a physical received 50.00 and that was it. September put in 3 claims and send al documents several as per request ftom reps needing info directly from doctors . I called multiple times still being processed i even ask for info to cancel rep stated dont cancel give them a chance its now december18th nothing i am cancelling this insurance.