If I could I'd give them minus ratings. Worse company that I've ever worked with in my 60+ years. My mother died in January 2017 and I sent her death certificate and the policies (2) that my grandmother had bought for my mother as a child. Policies were only worth $500 at surrender. It is now June and still no money. They have stalled on everything. I sent a copy of her will and Trust and yet the company insisted I have a judge's demand. It would have cost more than $500 to probate the will and wasn't necessary. I sent a claimant form showing heirs (my sister and brother) yet the company requested obit or funeral program to prove the heirs. We didn't have an obit or funeral program so now they were requesting a notarized letter. Still no money - almost fraudulent!
I must agree with the previous review. Not much has changed in 8 years. I have a problem with them not sending my statement in a timely fashion. More recently it took them 5 months (yes I said 5 months) to update my mailing address. I've been a customer for 63 years and I am very unsatisfied with the level of customer service I have received. My premium payments are always on time. Why don't I get the respect and service I deserve?