I took out a policy with above company. I canceled before the effective date. They had already withdrew $393.00 from my checking account. I had to make many calls to finally get them to put my money back but they said they will keep $100.00 for proccessing fees. Though I did not agree with their policy I said ok. they still shorted me $63.05 when they finally put money back. The customer service would never give me a phone number to call, just email address. Which no one ever answered so I continued to contact customer service for answeres and getting nowhere. Finally was gived a number though she said she was not suppose to. (Something wrong with this picture) As of Oct 13, they say they will finally put money in my account. This has been gping on for months. We will see if they do!!! Please check into this companies practice.