That was a great deal when they first came out with it. I don't need it because I am covered through the VA, but I did get it for my wife. After yearly increases I soon realized it was just like phone plans, great at first, but soon you are at regular prices. It seemed to me like a great marketing plan they worked out with the VA. Unfortunately, the VA didn't control their pricing. Not blaming the VA, I think they got duped. I dropped them after about 3 years. All cases are different, but you might do some comparison shopping just to be sure you are getting the deal you think you are getting.