Profit Over Patient
This company is disgustingly unethical. They will gladly advertise their 'services' in their glossy brochures and initial customer interaction to get you to sign up and pay the maximum amount of premiums. Then, after paying out premiums for YEARS, after you have an unexpected medical emergency, they will drag out the claim process as long as possible and make it as difficult as they possibly can, literally for YEARS while you suffer from your health crisis, drain savings and try to muster the strength and energy to continue to respond theirs requests (often repetitive and redundant) and ask your doctors to fill out the countless paperwork. Then they will find some excuse to deny your claim, prolonging the process even longer until they finally DROP your insurance policy due to your claim.
I (and my doctors) are so disgusted by this company. I literally paid tens of thousands of dollars in premiums to them for years, only to get played for over a year trying to get benefits during the period I could not work while battling my health issues until I could return to work. They made the entire experience necessarily stressful, hostile and time consuming when you need as much energy as you can just to get through your treatment, much less filling out repeated paperwork each month for over a year for NOTHING. They fact that they claim to be in the business of providing disability insurance is astounding. They are completely unethical, ruthless, and heartless. They are all in it for milking you out of as much money as possible until you are actually in need, then drop you like a piece of trash. Cruel and shameless.








