Flex Guard Plus. Ok, it's a limited benefit impaired risk program. I would have no problem offering it to those unable to qualify for Major Med. Rode with a company agent who has been in the business five months. What I witnessed was total misrepresentation (and some outright lies) concerning the product. It was offered to healthy people under the premise that they would probably never have a large claim, and so on. I had to bite my tongue. People had no idea what they bought. The agent, who has absolutely no knowledge of the industry, was simply repeating things the manager told him. This particular agent is also doing quite well. Sickening.