This company took more than $1,800 out of my checking account without ANY AUTHORIZATION TO DO SO. When I contacted them, they said my term life insurance that was $229.00 per year is now $1,877.00 per year. They refused to put the money back in my account. Said they will send a refund later by mail. How am I supposed to pay my mortgage? They didn't care. CHEATERS AND THIEVES.