Thanks Guys for your input.
Bye the way Bill the quote that I received came from online email from firstname.lastname@example.org.
Apparently there is money in insurance sales, for Robert Figuers has contacted me twice on email and he obtained my phone number ? some how
and call me once to see if he could help me in any way.
He sounded very polite on my answering machine. Like I said we may be in the wrong business. Thus far his quote has been the best.
We all do our best in this field, however every now and then a screw will get loose and it happens. Its better to be covered.
Again I appreciate the input.