FNB LAW ON CALL A TRAGIC JOKE

Don't go anywhere near FNB Legal "Service." They're very competent about taking your money each month, and the first time you need their help, you'll receive a disinterested call from a call agent that "sounds" like they're gathering information to help you. But they're actually gathering information to see how they can find loopholes to tell you, the particular help you need is not covered or it's pre-existing. Don't do it, it's not peace of mind. You don't have a safety net. You're on your own.