This company markets their business well and looks and sounds great on its website, TV and sales advisors. However, I have not been able to access my account for months, and no one can tell me why, it is very difficult to get through to and advisor and when you can they have no answers, no communication via email or text either. I have my car insurance with them too which I cannot access either. I was looking to take out life cover with them as on the face of it I liked the "modern" approach and "perks" of the company but I will be cancelling our business policy and car policy as soon as I have another in place and this time we will be going for the no frills trusted and traditional cover. It should be be a great business but its shocking ! PLEASE AVOID ! and do not waste your time or money on this business.