Good but can be better

I have been a member for over 20 years. i feel its a good insurance to have. They give you gifts which i really enjoyed although they not doing it anymore. If you have financial issues and need temporary relief they do put the insurance payments on hold. I feel they could better their payment options or at least give a loan facility which would really assist especially for people with the insurance for over at least 15 to 20 years i think they would get more customers if they implement this.