Do not buy insurance with this company, you will be sorry. They deny 100% of all disability claims. They Claim they never receive paperwork non-stop. They will ask that you pay them back when you switch to social security, but the payback is MORE than what they paid YOU!!! They do this around TAX TIME and sell your FAKE DEBT to 3rd Party Debt collectors. They act VERY COY when you try to get them to acknowledge basic information. DO NOT BUY INSURANCE WITH THIS COMPANY, YOU WILL BE SORRY. read full review »