A salesman contacted me for a quote. He proceeded to lie about everything. He said they had no deductible, he also said they had no waiting period for pre existing conditions. All lies. When I called their customer service number....no human answered my call. I left a voicemail and they never responded to that either. They simply wanted a $125 non refundable application fee. Steer clear of this company!!!! Even the BBB gave them an F rating.