This place is disgusting! My husband purchased a policy in April before we had our daughter to make sure if anything happened to him that we were taken care of. Well, in early September he died from a heart arrhythmia. It is now December and they have had paperwork and death certificate for over 2 months. Since he had the claim less then 2 years it is under contestability which I understand. But my husband was a healthy 31 year old with no known issues. Every time I call I speak to a new person who has no clue of what they are doing. Half the time notes are not put in. No one is ever on the same page. I was informed that the funds was being mailed to me within 24 days so I purchased a house to be closer to family since we have a 7 month old daughter and now I am going to lose my EDM money because that information was incorrect. I spoke to Hannah a supervisor and she said she will expedite everything and call me back on a specific date, well she didn't. I had to call. Then I found out that she cannot expedite anything and that it can take several months to get the insurance money. I was going to get a life insurance policy through them after everything was finalized but I am staying far away from this company. I'm grieving that my husband passed and now have to put up with this BS.