I've been with Heirs Insurance for about eight months now and honestly the coverage they offer is solid and the premiums are fair compared to what my colleagues pay elsewhere. My claims got processed without too much back and forth which I appreciated sha. The only thing that gets me vexed is their online portal where you manage your policy because it's clumsy and slow, took me almost 20 minutes just to upload a document when it should be quick. Otherwise good insurance company but abeg they need to fix that website.