When I purchased this policy on my husband, I was told that my children would be able to be covered on his insurance as "riders" with full benefits. Upon reading the policy with a lawyer, I was informed that not only are they NOT covered until years after I first purchased the policy, but their coverage is extremely limited. I have been led to believe that my children were covered and in the event of accident or death, the policy would make sure their affairs were take care of.
When the policy was first sold to me, I was informed that the premium would never go up and that I could call anytime to speak with a representative. Neither statement was truthful. The information on my children is incorrect. I have made numerous attempts to call and get it changed, but to no avail. Also, when the policy was delivered to me, I was walked through certain aspects, but the ones I was falsely led into weren't covered.
At this point in the game, the policy is completely WORTHLESS to me and my family. My children have been without coverage for almost two years and I was none the wiser. Something could've happened and I wouldn't have been covered.
If I had known what I now know about the coverage, I would've never bought the policy. It was a copmplete waste of my time and my money. It put my children in jeopardy and that is UNACCEPTABLE by any means.
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