I signed up online with this insurance company and gave them a credit card number to charge for the application fee. I never heard from them and called the same phone to find that it was disconnected! A charge for $500 appeared a month later from a 3rd party billing service who said they just bill for companies and can't help me. I am getting my money credited from my fraud dept of my credit card, but BEWARE! They are not a real business! Everyone contact your attorney general for your state to get the help. They actually do something about it.