Now after reading all of the complaints from others, I now see that we have also been scammed too. My husband lost his health insurance with his job and we were trying to get him insured. This very nice man called and we met with him. We gave him the checks that he needed for the application fee and what ever else he asked for. Then we heard from his several days later and he said my husband was denied insurance. The company did send the money back, but nothing was ever said about this $40 charge that my husband has been charged since... read full review »