This man is a total criminal and has been ripping people off for over 20 years. He has collected premiums and deposited them into his personal account and then closed the account after. He has lied about coverage to hundreds of clients over the years and has filed dozens of fraudulent lawsuits to take advantage of the courts and line his pockets with the settlements. Stay far away from this person as he will without a doubt figure out a way to deceive you and somehow steal your money in the ugliest way possible. DO YOUR RESEARCH and you will see it in black and white!!!