Pros: Good service, low rates
Cons: Difficult to contact.
Summary: We used the service for several years and had no problem with it. Usually pre paid with a check in case we did not receive our mail and did not want to be late and incur late charges.
Stopped the service almost 6 months ago and after 6 calls have still not received a refund of overpayment.
Moral of the story is do not pay ahead. You may never receive the refund.