The live chat kept dropping out and eventually failed. Forcing me to reconnect. The first operator kept asking me the same questions over and over again. Despite the fact I had already filled these in on the preliminary questionaire. Then after about an hour of this I was told the person I was trying to add was to old for out current underwriter. I found this a very frustrating experience and felt the operator was not concentrating. The issue with the chat app was not at my end as I know everything else was working at the time. I am used to using live chat as an it manager and felt this was poor to say the least.