If it sounds too good to be true it usually is. Agent said I would have health insurance, dental, vision, life insurance ($400,000) for $235 per month. Said I would have to pay $90 for an application fee (never had to do that before with any reputable insurance company). Said the insurance would be effective 12/1/16 and I would have to pay on 11/20/16. They actually put the payment through on 11/10/16 and my bank paid on 11/15/16. I immediately called my bank and told them to return the monies to my account and cancelled the policy with NCE after my wife went online and found out this was all a scam.