Could you just not use that carrier. I don't know which carrier you're talking about. I don't sell the short term policies, but I think National General has good short term plans. This is the carrier in question! And now they have a foundation product to stack with it, which makes it even more attractive. But the STM product is temporarily suspended in my State for now, so we shall see... My DOI is cracking the whip on these and the new Association plans that are supposed to com into play soon. .