Me, my father and my grandmother have been customers for over 30+ years... he passed away and i tried to file a claim for his hospitalization insurance and they wanted to give the money (what little they were going to pay) to his ex wife, not to me or the hospital to help pay the bill... who ridiculous is that... i am now dropping my policies...what a shame we have wasted money for so lomg. i feel bad for the others who are being ripped off... after reading all these reviews I am blown away...seems like such a scam