I made a call to find out how much I could receive. I got a really lovely representative on the phone who explained in detail about what the insurance was I answered some questions then I spoke to another representative who was also extremely knowledgeable and I was surprised they doubled the amount of payout I would receive compared to what I was paying only receiving half of the amount I would recommend this company great representatives talk you through everything I was extremely pleased with the outcome of my call and the package I bought thank you so much for your help and patience