I am now retired. Living an a fixed income. I had a bad incident were I Cosigned a loan for a future daughter in-law. Long story short, this is pending ( not yet claimed in court against me ), and on my record as cosinee. American is holding this against me. My own bank said they raised my credit rating as time gaoes by they will do this. American does not!!! I have been with american Family ever sice I had insurance. ( I in my late 50's ). I have not had a single claim against American Family even though I could have. I also have Americans home owners as well! read full review »