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Insurance companies never make the contracts to help us out. Lots of hidden stuff in them.
You always got to make sure you are vested from day 1.
I was reading one the other day if they owe you less than 700 bucks a year, they wont pay you.
Sometimes I feel like I need my lawyer present when I'm filling out some of these contracts.
I had a lawyer look at one I signed with a popular company around the forums and their claim that they didn't have to pay me if the renewals dropped below $250/mo. He said they were legally correct, but that it would have taken a lawyer at signing to have understood it that way.
I suppose we should have an attorney look at every contract before we sign it. He has looked at all my current ones and hasn't found anything like that in any of them.