I was contacted by Justin of Guaranteed Benefits about health insurance after I applied online. I liked what he was offering but postponed starting it till next month. Good thing I did. I did not receive any of the documentation on the policies that I asked for even though it was to be sent within 24-48 hours. I called him back and he was checking on it. When I plugged in the phone # online, scam reports showed up. I called the numbers Justin gave me to cancel the policies but was told I could not cancel the policies until I was charged. I got the email address of the lady on the phone and sent her an email cancelling the policies. Then I changed my credit card account. Since then I have tried to reach Justin but no one picks up the phone. It all goes to voice mail. I left a message and no one has gotten back to me. If you get charged you may lose the $99 fee per person to sign up, depending on the state you live in.