Claim process is lengthy and horrible 7 months - still waiting for a decision on my serious illness claim after a cancer diagnosis. Where are they when you need them the most in this difficult time of your life? That was what you paid the premiums for monthly without fail! Thinking that the payout would cover your expenses, but nothing. Even with a valid claim, my expectations for this insurance company were all wrong. Still waiting very, very upset and frustrated, depressed and could not even sleep at night. If anyone is giving a 5 star review, wait until you claim. I would not recommend this company to my family and friends. I do not want them to experience the pain I am going through right now.