No health issues in my life. Zero. Have had their critical illness added to my policy. I recently found out I have cancer and they denied my claim. For no reason other then I went to a hospital 9 months prior for tingling in my feet. Apparently skin cancer doesn’t allow me to make a claim. I was told it wasn’t any cancer specific. And now it is. I don’t recommend this insurance agency. I had to do all the work getting the health records as they said they couldn’t reach my doctor Which is BS. Great when they take your money each month. But try to collect your benefits and you’ll see how they turn on you. Good luck