These guys are real thugs. All they live for is make money out of yours. They have disabled the Google reviews and loaded their own sites with fake reviews. These guys charge thousands in the name of set up and administration fees and then lock your money up. There’s absolutely no customer service and even if you get one you get an ignorant person with no knowledge of insurance or anything about your product. They never stop chasing you for the premiums. They have no one to answer your questions. And when want to surrender the policy, they change the rules as they go and lock your money for three extra months after the surrender to get their cut before their release your money. Please don’t go with these guys they will make you regret.