The Customer Service is top-notch. The customer service rep explains everything with each unit of insurance. There are a lot of choices with each type of coverage. It can sound confusing and overwhelming, but the reps are very knowledgeable. It is your choice. There is no sales pitch here. I did listen to the rep's recommendations when I was unsure or hesitant. After your session, everything's printed out. Or if one has opted for email notification (paperless), one can set up an online account on their website.
Claims are easy to file online or if you wanna go old school, you can print out the forms from the website. You can also fax your paperwork (receipts, documentation) to the company. You can can also select getting the traditional check in the mail or use direct deposit (which I find is very convenient, for my situation).
This is a Supplemental insurance company that offers products like life insurance (there are many choices, cash value, death benefit), accidental death and dismemberment (ADD), and critical illness/hospital visit, disability insurance (like AFLAC), cancer policy, etc. One can choose individual plans and family plans, when available. Again, no pressure. You decide what coverage you need.
We've had at least three or four meetings with this company. Any changes to your policies? You can contact them online (it is encrypted) or you can can call the local office. Of course, if there are any life changes (marriage, divorce, had a child, etc.), you will want to notify the company.
I highly recommend it. (One never knows when one will need surgery. This is peace of mind.) read more