I signed up for a pretty low amount; a premium that I would pay $25 per month and it would payout something around $1000 per month in a claim. I signed up to help with the initial phase to A) assist guys who weren't on property yet and could benefit from the coverage later, B) help the lifers who are more likely to medical out and c) get the coverage because it was manageable at a low price now and could be changed later.

I regret signing up. The first month they started sending out the bills I saw I was being charged $50 per month, double what I was told I could sign up for. They never consulted me about the sudden increase in premium and this minimum of $25k that they want reported was not mentioned once, anywhere. Why would they even allow the income tool to go below that number? Well thankfully I never put down my card info.