DO NOT SEND THEM MONEY.
They have an F-Rating with the North Carolina Better Business Bureau.
I have sent them three letters; one in January, one in March and one in April of 2014.
My mother passed away and I sent them all the requested documents for death benefits dispersal.
I have had NO RESPONSE at all in any form.
No response to complaint filed with the North Carolina Better Business Bureau either.
SAVE YOUR MONEY!!!!! Plan to hire a lawyer to pursue this.