Very disappointed with this company and their purposeful non-disclosure of very pertinent facts. Starting with the day we opened this policy, the representatives on the phone have been misleading and have omitted the honest truth about the benefits. I have asked straightforward questions that were answered very deceitfully, and then when I realized the truth about the benefits, I was told to read the fine print. Companies like this that answer questions vaguely and bury stipulations in the fine print are practicing very bad business, and it will catch up to them - hopefully before too many more people are exploited.