My in-laws were duped into buying one of the shame insurance policy about 20 years ago. The type Alex T advertises on TV. Now that my father-in-law has passed away we could really use the money for my mother-in-law. They are being very difficult to deal with, requiring a mountain of paperwork to pay out the claim. We had no problem with the state retirement people or the SSI people. Since my wife has to handle her parent's affairs (she is the POA) these people have been the most difficult to deal with.