I am a licenced insurance agent. I was formerly appointed to sell for the AWA. There is nothing wrong with the product. Problems occur when "agents" misrepresent the coverage. It is designed for people who are otherwise uninsurable. If you will call Homeland Health Care, they tend to be good about giving you straight information and will refund your premium. There is a problem that the application fee is usually not refundable, but I have known of many instances where the fee was indeed refunded if there was misrepresentation, especially if you had one of their plans underwritten by Markel insurance company. Unfortunately, I am not aware of enrollment fees being returned for any reason if the plan was underwritten by Freedom Life or other companies.
If there was misrepresentation, I urge you to file a complaint with the department of insurance for your state.
IMPORTANT! When cancelling coverage sold to you by a telemarketer, do NOT call the number of the telemarketing company. Call the number on your insurance card or the documentation sent to you directly from the insurance company. It is very common, no matter which company, for the telemarketers to tell you that your membership has been cancelled, then the TM does not notify the insurance company because they want to stall until the "free look" period has expired so that the telemarketer receives his commission.