This is a terrible company that I will not recommend to anyone. They claim to offer Newborn benefits, but in the fine print if your baby does not live more than 5 complete days, then nothing is given. Our daughter died after two days, and when we called to verify this and see if anything could be offered, we were told that because of this limit our precious daughter was not a "viable life," and the representative Karen offered no condolences or answers in any way. This is obviously a money grab without mercy or concern because how many newborns made it past 5 days, and hospitals and funeral homes do not make such a distinction.