We switched to CIS earlier this year. It was about $40 more per year than wht we would pay for the group policy.through Load1, but that's because of our age. I will gladly pay the extra to have John and Shelly taking care of us. They are wonderful people.
We had the same thing happen to us last week as well. we were out of service, went in the office to go in, were given a load. delivered it, did a 19 with no response. I got online and caught that we were still oos.