If there was a ZERO rating I would pick it! Horrible horrible HORRIBLE! I used to have assurance but switched to Q-link because Assurance sucked so bad! No I am trying to switch back due to the Q-link difficulties. I called them at the end of October and got an application number and promise of paperwork within 7 days. It's December. I got nothing. Called again, super nice lady but no English COMPREHENSION. Promised that everything was okie-dokie and phone on way two weeks ago. I've received nothing. Called again, guy told me to fill out application. ARE YOU FREAKING SERIOUS??? Assurance needs a few native English speakers to help them out. Worst experience EVER. So frustrating. Must be a better lifeline out there.