Thank you Ms Black-Osborn for you quick assistance. Received a reply from the president of Blue Sky himself, in which they admitted no fault of course. Just today, I re-instituted a policy through GS with Allied, The GS agent that I spent quite a bit of time with was very responsive and helpful. A much better agent than my previous one. Allied's quote was even better that Blue Sky ever was. I hope I never have to find out just "how good" that Allied really is. I also was told that Blue Sky is no longer with GS...how interesting...