I applied for a $25K whole life… I applied for a $25K whole life coverage but was forced to bring it down to $10K because I was tabled. I had diabetes after 50 years old and had been in control with diet, exercise and some medications. In all other policies I have with other companies, I was always rated standard. I was disappointed with the rating without clear explanation.

RUN, fast RUN. Seriously shady and dishonest practices. Put your money into a bank account instead of trusting in a company that posts pictures playing golf while dragging out processing your claim way past legal timeliness. Do not EVER take out a critical illness policy because when they can't deny your claim, they will try and cancel your policy based on narratives they create from your medical records.

While they declined to quote me because… While they declined to quote me because I recently had surgery, they were very prompt in doing so. They did quote my wife, but we found more coverage with less cost from another company (that we have several policies with already)

Shopped around for Life Insurance for a… Shopped around for Life Insurance for a few months and settled on this. Went well beyond expectations. Signing up was incredibly simple, no doctor visits. Very pleased.

Hassle to close account I called to ask that my IRA accounts be closed and cash sent to me. I very explicitly requested that income tax of 10% be paid to the IRS on my behalf before sending the remainder in the traditional IRA account. This was not done, so I needed to find the estimated 2022 tax form, complete it, and send a check to the IRS.