They are rude, pushy and just nasty. Do not use. My partner and I started an application to apply for joint decreasing cover and critical illness cover for us both. We had to sit through an hour long phone call because they said it would be quicker and once we had done that we wouldn't need to fill in an more questionnaires. Then received an email saying that before they could even start an application I would have to have a full medical. (Obviously with COVOID-19 I was not agreeing with this) We needed our cover so we could finish buying our first house with our mortgage. They then said that they wouldn't start any cover until I had this so we decided to try another company and just get the joint decreasing. I emailed them to cancel and then the next morning I get a phone call, from them trying to sell me extra cover, after listening to the woman talk for five minutes I interrupted and that I've already messaged to cancel. She said that she cant do that and she would get someone else to phone me. Half an hour later a guy phoned me asking why I wanted to cancel, after I explained he just kept arguing with me. I told him I want to cancel the applications. And he wouldn't he kept arguing and trying to push me into their cover. Told me that they are a much more reputable company then any I have looked at and I wouldn't find more cover. That no-one would cover me quicker and yet they wouldn't do it when I wanted either. So it was useless for me. Eventually I told him no cancel it, and all I could hear was him huffing and puffing on his side. It was disgusting to be talked to like Im an idiot. Do not give them your money!!