Stay away from them. Complete scam just to get you contracted. Offers free leads. I have been down this road before, so I signed up with 2 small players in the F-X field. Texas Life, and Liberty Life, (I think they were)? Got wellcome letter and or phone call from insurance companies, but do you think I can get GBA on the phone after contracting went through? They do not answer phone, respond to emails and so on. Total F-you know what scum. My contact person was a Mary Ivanovo If I remember right? Called her several times, no return calls. Sent email, same, no response. Left message on main biz line, no call back. If they are legit, it would surprize me! I hope their out of biz. Dam-n I'm sick of the B.S. of this industry.