They added my sister-in-law to my policy without ever confirming it. To their credit, they did send me an email notification, but it got lost amongst the numerous useless emails that they send. Rather than waiting until they had confirmed with me, they defaulted to making an extra dollar. By the time I caught it and took her off my policy, they claimed there was nothing they could do to reimburse me. Having a "real person" as an agent as opposed to going with a cheaper big company with less personalized service did me no good in this instance. Otherwise nice and friendly service. read more