Absolute worst! Where do I start? I was a loyal and timely customer for years, but I hope Susan never has to file a claim or need ACTUAL assistance because that is when reality hits. No return phone calls and or e-mails. The male office employee, his name evades me at the moment but I want to say it was Adam behaved in a way that I can only describe as heinous. Pam was kind enough to explain that he was having family issues, hence the attitude. "Oh okay!" That makes it okay to treat customers poorly? After three months of not getting my premium refund I've given up. Not like I can get anyone on the phone to ask. A nominal amount but it's the principle that matters here. I trusted that this was a reliable business throughout the years that I was with them. Lesson learned! Beware! Hey Tom, where's my refund?