This company is the biggest group of unethical liars in the insurance business. They put people into insurance that they do not need so that they can make the biggest profit. They also bully their clients into doing what they want them to do. They misrepresent who they are and usually will not give the client the company name that they are working under. Bait and switch is what these people are all about...STAY AWAY!!! Unethical and unprofessional.