TLS has a number of issues from their carry 'insurance' line but their NFA stuff is still solid.
That said, it's why I recommend plans like Self Defense Fund or Second Call Defense instead. They openly say they're not insurance. They're basically crowdfunding lawyers. They make their policies and covered events very clear.
A few years back I had a situation. I didn't have to use my firearm, but it came close. As they predicted, nothing would come out of it, but I asked Larry Keilberg (the owner/head honcho of SDF) directly if something did, would I be covered. He said yes. So that gives me confidence that they'll stand by their members.