Like an idiot I sent $680.00 check that was cashed before they generated any of the bogus leads. They do not anwser the phone. I recieved 6 appointments on April 19th and paid for 20. Of the 6 final expense appointments NONE of the people had agreed to an apppintment. Save your money...these guys are all scam artist. I hope I can spare you the agony of being ripped off