If what footballfanppl is saying is true, then this is something the collective group should be making a whole lot of noise about. Second to the allegation that API has not paid out his claim, is that he is not receiving proper communication from them. This is completely unacceptable. I have been subscribing to LIPS/API for the last 6 years and if I have to start worrying about them not paying out a potential future claim, then I need to reconsider my loss of license insurance.