So far I have not had the opportunity to use the insurance. However, if you want a company that is still in the dark ages, this is it. I called to pay my premium and was told they do not accept payments either online or over the phone. They do not accept credit cards, and you have to cut the slip off the bill and enclose a check and put it in the mail. I haven't mailed a check to anyone in several years. That is the only way. It takes 3 months to have SS withdraw the amount and pay them. Well, I guess it's back to "checks in the mail".