I also talked to someone at the national benefits advisory and he told me that it would cover me and my husband for 169.95 and i told him that i would have to talk to my husband and then i would get back to him and he then told me that to lock the quote in i would have to give them my billing information and i ask him if i gave it to them that they would have to wait for me to call them back and tell them weather or not i wanted the insurance and he said yes that is how it works we will not process it till you call back and tell us what to do... read full review »