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My father bought this insurance for his vehicle, after catching pneumonia he was hospitalized for over a month, and off work for multiple months. He paid extra to ensure his payments would be covered during illness. He was denied coverage for the vehicle payments while he was off work. (I truly don't know what type of illness they would cover if they do not cover this). He returned to work and suddenly passed a few months later. It has been many months since his death and IA has not covered anything. All paperwork has been sent multiple times which they continuously lose and they claim they have not yet received it. They have made a horrible time for our family even worse with financial burdens. DO NOT EVER purchase any type of insurance through this company, ever.