im in the midwest and i had to do a phone interview also last year when got appointed with them, I think it was about 15 min. At the end of the call the rep said who my rep would be and it would take about 3 weeks for the process. It actually only took about 2 and everything went smooth I am a former captive and they would not start the actual process until they saw a termination letter from my captive company. good luck