Relatively easy to answer questions and to arrange insurance. only hiccup was when they sent me an email to open an account. This email was in very tiny print making it almost impossible to read. It also made it impossible to open an account with them as the link stated "this link is only valid for 15 minutes" No matter how many times I tried it the same email just kept coming back. It was only when I spoke to a human being this morning that I found out the link cannot be activated for 24 hours. Do these people not read their own instructions?