In 4 years I have not been able to access my account on website as the server reports an error (tried from multiple computers on multiple browsers). Customer service says its been a known problem for several years - but only affects some people! Incredible this has not been fixed in this time (this is a business worth hundreds of millions). Maybe this is a scam to encourage interaction via phone, which presumably results in a commission for customer service rep ? I offered to help their tech team fix the problem as that is my profession - no response from JL. If I don't have faith in their basic operations, how can I have faith they will deliver if I ever need to make a claim ?