I have had no interaction or follow up from Bankers since I bought the policy. There has been no contact from my agent to see if I need any more information or even another policy or revision to the existing one. You pay your premiums but do not hear from Bankers life. I have 2 policies: Life and Short Term Disability. Although I was able to purchase Short Term Disability Policy, I was declined for a long term disability policy – does not seem to make sense. Have not had to access either policy and have had them for over 2 years and applied for the 3 policies at the same time.