I had a fitness policy with this company that was coming up for renewal. I no longer teach and indicated cancel in the form they sent to me. I continue to get renewal bills so I called today and was informed there is a "correct" way to cancel. Can you believe this crap? You must supply your name, policy number, date to cancel and a REASON. Like that is none of their business. I said well maybe I just won't pay and you'll cancel me. She says "oh no your policy will just go into lapsed" Having worked in the insurance industry for years these are very shady business practices. I filed a complaint with my state insurance commissioner. I would never recommend doing business with a company that makes you jump through hoops to get rid of them.