It is a down right sin how this company treats elderly people that have diligently paid premiums for decades. They constantly harass them with saying they need to be "re assesed" in order to keep their claims in a constant state of review to avoid paying premiums for weeks at a time. They are never caught up on payments and use phoney excuses and keep them in a state of fear all the time. They take advantage of people who are weak and sick and force them to spend hours and hours trying to get their entitled claims even after several Dr's and care facilities have approved them over and over again to need advanced care. If you are reading this do NOT under any circumstances subject yourself or your family members to this deplorable company.