They are a disaster. Gave all info to a computer as required - finally got a human and had to repeat it all. I have money there from a 401 K before my employer switched to another plan. It is only possible to get someone in customer service - no agents - they can't answer ANY questions - I asked about annuity payouts if I rolled current 401K amounts into this account. Customer service "can't answer hypotheticals." I asked for an agent. Was put on hold for 10 minutes as she checked to see if my account "had an agent assigned." Then she came back to tell me they didn't have agents. Will pull the money out of there as soon as possible.