If I could give them 0 stars I would. This company is AWFUL!!My boyfriend& daughters father passed away when she was 2 and she was his beneficiary, its been 2 years of BS. I filed all appropriate documents, went to court to be listed her guardian so that I could get information on it, sent that in and tried to get the money withdrawn so that I can get away from this awful company and put it into an investment acct. for her..... only to be denied for not having any documents on her ( all the paperworks I've sent in multiple times over the 2 year period) and not only that not once was I sent a denial paper. this company is poorly ran and a complete joke.no organization or care for their consumers.