If I could give them no stars I would. These people mind my language have fucked us over every single month. And every month I have to wait for a refund cause they want to auto pull money from my account and last time I spoke to them they told us that it was in the noted and taken care of. Welp guess fucking what. They pulled the money and then I got over drafted AGAIN!!! And every time I call they tell us that we never requested it. They are the worst insurance company ever and so is ditsy agent that doesn't know shit from a hole in the wall. Save yourself your sanity and go through another agency.