Wow 4 months and still on going . Wrote letter to cancel and send the cash value back in feb . 5 weeks nothing . Called them up and them “ oh you need to fill out surrender form “ . Did that 5 weeks later nothing we call “ oh there it us I’ll process now “ . I jumped all over her calling them a 3rd class company . The next day they call the client harassing in why she wants to surrender . I told the client if you get nothing in 3 weeks we’ll file complaint with Ins dept . Hell Lincoln heritage 5 stars compared to them .