I got involved with this company thru my mortgage company as a supplemental insurance, and have been paying 49.50 for many years without ever receiving anything in the mail or email, as far documents confirming my policy or terms of the policy. I contacted my mortgage company, and all they could provide me with is their name and address : Progeny Marketing Innovations aka Affinion, which doesn't even have a working website to view specifics of the policy that they say that I am paying for. Should I be considering legal council in this matter? Might be one option to look into after reading the one post from a former employee. Haven