After many phone calls to different people I still could not cancel this life insurance. I bought it 10 years ago. I have moved and also remarried changed my last name. Finally they sent me a letter I called found out they had my birthdate wrong on their file. I could not even register online but they kept taking money out of my account. Terrible customer service. On hold for long long time and yet they still could not rectify the problem they kept passing you to another person and then another person or dept. terrible company.if there is anything lower the 1 star that would be their review.