I have used them, decent results, although leads are not cheap. They start at $38 and go up rom there. They just changed policy and require you to purchase up to four a week. I get leads state wide from them. My expereince is that most of there leads do have money to invest,but are generally not educated about annuites, so they respond to the guide on annuities that is promised. I did closea case recently for $250,000 from them! It took five months ffrom first contact. Please pm me if you want specific inormation on how I work these leads.