I talked to an repersenative on the phone and this person told me he was offering Accidental Death Insurance policies which I was not really interested in, so this person ask a couple of simple questions about age and also my spouse's age ( that's all!!!) and I told him and we agreeded on her sending me this example of the policy and I would go through it and give them my reply (if) I agreed on it, which I didn't. also it would have to be signed (if) I took the policy which also was not signed and not accepted. T he crazy part of this matter is how did they achieve my bank acct.# and routing # when this was not discussed, which only tell's that this is some sort of hacking no doubt in play!!