Do not do business with this company. They contradict themselves on their website and give you false information concerning the premiums you pay. Their website usdirectprotect.com FAQS are a perfect example. Look at questions #3 and then #7. They do not protect your premiums under government control or regulation. They take their cut and then pass the rest to companies with no control or assurrance that you will receive any benefits. The company they passed my money off to went out of business and I did not find out until I called US Direct Protect to cancel the contract. They are a complete scam. DO NOT DO BUSINESS WITH US DIRECT PROTECT.