NO ETHICS! HORRIBLE ... HORRIBLE COMPANY. We bought a good long term care police early. We were in our early 40's and bought in October 1999. They stopped selling long term care insurance in December 1999. NOW... after all these years of faithfully paying our annual amounts I just received a letter, and they are raising our annual amounts by 300% from the original. REALLY... they are only supposed to be able to raise if it is across the board... A.K.A. everyone.... really... we were in our early 40's how many policies do you really think they have in addition to ours. Let's see.... take your money for years... then raise it so much when there are so few left you want to cancel. Is that ethical? NO... dishonest YES... do NOT trust this company. PERIOD!!! DISHONEST, LIERS AND COMPLETELY HORRIBLE. Additional note: funny when I first was going to review i clicked 1 star as it is the lowet I can rate. Almost before I could hit the post button it has changed it to five stars! so... what is the deal!