We have been attempting to cash in a policy for several months and their excuses are going on and on. The latest? My wife put her name as POA in front of her dad’s name instead of the other way around. And she forgot to date the form in ONE place. This after playing games and telling her they needed to talk to her dad when SHE is the one who took out the policy in him. Horrible company, do not recommend. Ready to file a report with the Attorney General.