The client doesn't come 1st.

Worst customer service I've ever experienced, tomorrow marks exactly 1 year since trying to add a new beneficiary to my policy of at least 10 years. Lord forbid what would happen should the unthinkable happen and my family has to claim. I have requested at least 50 call me back's and have send a number of emails regarding my intentions, don't even bother with sending anything to the complaints department. They never get to you.

One thing you can bet on is that they deduct religiously from your bank account every month. I am an existing client and from my experience, I think it's about time I start shopping for an insurance company that will look after my interest and take me seriously.