As a licensed insurance agent I have met people th...

As a licensed insurance agent I have met people that have a policy with this company. After reviewing their policy it's obvious that the consumer is overcharged immensely for less options but 'guaranteed' an immediate benefit. When you have a medical issue and are told you will have a 2 year waiting period before a full benefit, this company is willing to cover the consumer immediately but at a much higher rate. When factored in, they pay much more in premiums over this 2 year period and the life of the policy when they could actually accept the 2 year wait, receive 110% of the premiums during the wait and this will lower their premium savings with an enormous amount of money over the long haul. DON'T fall for this tactic!