if i could give zero i would. i paid this on life insurance policy on time( going on 8 years) and then they sent back the check because the address didn't match (i moved). i sent was told I'd be setup for reinstatement sent two more checks because second time i was given the wrong PO box (no notification that they changed PO Boxes). 3rd time still got rejected. Had them do another review and had my doctor send my file for last five years (just go for yearly blood work and check up, no hospital visits or illnesses) and was told i was denied. After seeing their rating of 1.3 I'm not surprised at all by this.