I purchased insurance through this company and every time a claim is submitted, the say they never received it. I finally gathered all the claims from my doctors and sent them via overnight mail with a signature required. when I had not recv'd payment in a month, I called and again they claimed not to have received them. When I told them that I had proof of their receipt, the lady called me back and said they had received the claims but no benefits would be paid. I paid premiums for over a year and did not have even one claim paid by this company. I now find that this company is an agent for another insurance company, American Medical Life Insurance Company (AMLI) and when I called them to complain, I just got the run around. I have finally filed a complaint with the Dept of Insurance and am waiting to see what they will do now. My claims are now 8 months old and I am being turned over to a collection agency.