I received a letter terming Respond within 5 business days highlighted in RED. I had a call transferred to some local fellow with a tagline "MANAGER". They are real KIDS in marketing who doesn't know to talk to customers. I had a friend who took this up. But, honestly he has a very bad experience dealing with this company. Please don't waste your valuable money buying this for no use. They mistreat their customers and turn hard when it comes to matter of claim. This call is the worst customer service I ever had before! I wouldn't recommend any of you buying this. If any of you already purchased this insurance, I feel sorry for you. Good luck dealing with them!