Holy hell, what a horrible business! Like others here have stated, if I could give negative stars, I would. I sent in paperwork over THREE months ago to cancel my policy and have my return of premium, as is allowed with this policy. Three months of calling, and having to re-explain each time, being routed to representatives who take 20 plus minutes, each, to look through your policy, all to provide inaccurate information each time. Every time I call to representatives who either have a very poor phone connection, or that I cannot understand, it is an over-an-hour process, being redirected to three different people, all to tell me something different. This is absolutely absurd! This is a cut and dry cancellation- here are the correct forms, cancel the policy, return the premium. Three months later, and still getting the run around. I will NEVER do business with this company and will be certain to not allow others I know to do business with them either.