Bob's Goof Proof is a scam. The company behind Goof Proof, Guardian Products, is in a business of collecting premiums and rejecting claims. They are copying a scam shown in a movie "The Rainmaker" where the health insurance company collected premiums but rejected all claims. In the movie the company was forced out of business by a lawsuit, but we would need a class action to put Guardian out of business because individual premiums are to low to justify a law suit. Bob's Furniture must be aware of the scam, but it is receiving a kickback from Guardian and is pushing this scam on it's customers. No more buying from Bob's!!! What a rip off!!!