Exactly Lindy..They are there with their hands out to collect the premiums, but when it comes time to pay they have every excuse in the book to reneg..So I told them its no problem cuz Im not paying..period!

Ive googled up the company and theres a few pages of complaints and law suits, class action suits and less than desirable customer relations policies lodged against them..They were sued a few years ago for..get this..Adding unemployment/disability insurance on customers credit accounts without the consent of the card holders and deducting premiums monthly..The court awarded the plaintiffs $3,000,000 in a class action suit..So Im just another customer of their in the long line of duped consumers