in the same fashion as (insert Chinese made Dollar Store product of choice here). "Management"   has the same care and leadership qualities as that in any turd world sweatshop, the average employee is about as educated as the sweatshop assembler, and the product is about as lackluster. Run away. Go with a real insurance carrier that has useful coverages for the modern family and a claims department without an average 18 month time on the job experience factor for the adjusters. But, if you like pain, aggravation and general malfeasance come on down.