DO NOT EVER do business with Beneficial!  My husband got a loan through them and we set up automatic payments to them.  We specifically asked how much we needed to pay monthly to pay the interest and some toward principle.  They told us how much we needed to make every month so that is what we set our monthly automatic...more

I would point out that insurance should mostly be used for catastrophic loss. If you keep hitting your insurance company with a bunch of small claims, they will probably cancel your policy and you will then have a heck of a time replacing it without paying a very high premium.