This has to be one of the worst experience my family has had with customers service, managers. My father being having this insurance since we were kids since we are all grown and each have our individual policies we decided to cash the Anico insurance out because it was not for much money into the policy, it has taken almost two months to receive payment. I called asked for a manger they or bust out of the office, customers service was rude and told me lie after lie. I ended up canceling this policy I don't want anything to do with them ever no one has any knowledge of what they are doing not even my agent could not help..