I have a smaal insurance agency and do business in Illinois and Missouri. I looked at several companies before I sent 321 Annuity a check for $2, 500.00. I was promised two appointments per week for my two agents and myself. So far after four weeks we have had no legitimate appointments set. I have tried to contact the company but they will not respond to my phone messages or return my emails. I checked them out with the BBB and they had a C- rating because they were not a member, but had no complaints. I checked again today and they have a F tating because of unresolved complaints filed against them. I am going to file a complaint with the BBB and the California, Illinois, and Missouri Attorneys Offices. The worst part of it is I had my agents go in with me for the costs/ If you are thinking about doing business with 321 Annuity DON'T DO IT!!!