If I could give them a 0 rating, I would. I am attempting to collect on an annuity contract for my daughter and we have been put through so much BS while dealing with these people. We have sent over court documents, filled out their paperwork multiple times and we STILL can't even get the littlest bit of information. If my father knew how terrible this company was, I would like to believe he never would have used them. The only reason they can still be in business is because they are holding up everyone's money and have some sort of financial gain from it. If you have other choices, use them. If you have a family member who has them, switch. I've moved over five other accounts in the amount of time I've been dealing with these people and their account reps don't have the first clue about what they're doing and are therefore incompetent and unhelpful.