Want to warn anyone of ever considering this company. They only want your money and they will do anything in their power to stall or never pay on claims. They have the worst reputation. My Mother died 3 months ago, and they still have not sent any check from her Life insurance. In fact, they just keep sending out claims forms (same ones) over and over. You call them and after holding for hours each time, they just send out more forms. Meanwhile they are making interest of of people who have died with no regard to the beneficiaries. They are in my eyes crooked and deceitful. I have reported them to the State AG and and am getting a lawyer.