Do not buy from this fraudulent company! I sent all my claims paperwork for the health and sickness claim with all of my sensitive information to the wrong PO box .... Apparently the PO box on the claims form was wrong I am told! So who has my information? I wonder if there is a class action suit that could be filed against this company.... Like so many, I paid every month for this BS! I read other complaints that it will be fun cancelling too!