If you are thinking about becoming an IBO with Ameriplan-then BEWARE! I was an IBO for two years and called the main office to cancel my at home business and health benefits plan. I was given a specific email address and told to cancel in writing. I cancelled on January 15, 2010. All monthly payments to Ameriplan were taken ONLY from my Washington Mutual account. Yesterday I became aware that my CitiBank account was overdrawn. Ameriplan, without my consent, and fullknowledge that I had cancelled, continued to deduct $39.95 each month, up to $279.95! I am trying to get them to give the money back. Will let you readers know how it goes.