We received a letter from Affinion Benefits group addressed to my mother in law. my husband and i have been taking care of her finances for over two year due to a stoke she suffered and has been unable to take care of herself let alone her finances since 2014. the letter stated that her accidential death and dismenberment coverage was past due and that she owed them money. First of all she never had AD&D coverage. Second if we didn't check her mail she would have paid it becasue it says she owes it. The elderly are paryed upon, they have values and still want their credit to be good, they want to pay what they owe, however they are easily confused. shame on you Affinion Benefits Group