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The worst insurance, I sent all neccessary docs paid an access which was quoted by one of the agents as I never recieved any sms from them even though they say its sent out for communication.fine send proof of payment which I was told funds need to clear firstwhich is 48hrs 2 days later I call to be told I was quoted incorrectly I need to pay more access this is not TCF complying to save an argument I pay, again to be told to wait for money to reflect.I paid Wednesday called money not reflecting proof was already sent.this is not on I'm frustrated my child needs the phone for school and I need to still wait for it to be ordered and delivery takes up to 2 weeks.the managers were not available so I don't know what must happen.