This company misrepresents policies to customers and refuses to send written documentation of policies and benefits until a membership fee and the first months premium is paid. They promise a 100% refund if you are not satisfied with the policy and cancel it within ten days once you receive the paperwork in the mail. I paid $269.95 to this company and canceled the policy the same day that I got the paperwork once I realized that they policy was nothing like I was lead to believe it was. They wanted me to pay $144.00 a month only to reimburse me $80.00 a year for doctor visits! Who would buy this if they told them this up front? No one. That's why they do not tell you the truth to start with. No one would ever pay them anything.
Upon cancelation the policy I was told I would receive a refund within ten to fifteen days. After a month I still do not have my money back. I am out my money and have gotten no benefit at all from anything as they did cancel the policy. Please do not let this happen to you. Do not buy any kind of insurance unless the company is willing to provide you with written information on the policy and what it pays before paying them any money.
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