Would NOT trust this guy.I am a business owner for 36 years now.He cold called me and I bought Health,Dental,Vision,Disability and Life Insurance from Him in 2014.Everytime I tried to contact him with a question.HE NEVER RETURNS YOUR CALL!VERY POOR CUSTOMER SERVICE BUSINESS MAN."BEWARE" HE SIGNS YOU UP TAKES YOUR MONEY AND THEN YOU CAN NEVER GET IN TOUCH WITH HIM !!!! HIS ANSWERING VOICE MAIL SAYS HE WILL CONTACT YOU IN 24 TO 48 HOURS.YOU WILL NEVER GET A CALL BACK!!