I also was called many times by this group trying to get me to add health ins. to my home mortage. I requested the policy before I would agree to accepting the ins. I did get the policy in the mail, but never signed it or sent it back. I just noticed on my mortage statement that they had been taking out a pmt for the last 4 mths. I will say that when I called them I first talked to a Ms. Fox who tried a little to talk me out of canceling, but was not overbearing and offerred to return one of my mths. pmts.. I asked her about the rest of the money they took out wothout my permission and she said I would have to talk to her supervisor. In 2-3 mins. I talked to a Ms. Maker and told her I never authorized the ins. She put me on hold for less than a min. and came back and said she would refund all the money I had paid and I should receive a check in 8 to 10 working days. After reading all the complaints I thought I was going to be in for a really diffacult time dealing with them, but to my suprize it very smooth. Maybe you are talking to the wrong person or using the wrong phone number, becuase I can't really coplain about the treatment I got. Now all I have to do is make sure I get the check in the mail!!! I will give you the phone number I called and maybe it might help to talk to the right people. Number is 1-800-572-5848, and I talked to Ms. Fox and then her supervisor Ms. Maker. Good Luck to all who have a bad experience. Tom