This company is a ripoff. My husband has had a policy with them for 30 years or more. When he bought the policy the agent told him he would have plenty of money saved. Well here we are today 2/2015 and checked the account. Found out they have been deducting money from the account for the last year. We were paying $23.00 a month, they were taking out $40.00 or more out of the account. Unbelievable..you cannot trust anyone these days. People make sure you are checking your accounts. Mad as hell..