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I found this company on the internet unfortunately and I paid $500 for twenty pre set appointments. The telemarketers were calling from Taiwan and they spoke very poor/fast English. None of the seniors could understand a word they said. The appointments were terrible. Almost all of the folks said they had not requested to see an agent. I have ask them to reivew the leads to try and get some credits for the bad appointment, but I have not had much success yet. They still owe me six final expense appointments, but they are probably not able to get anyone to commit to see an agent because no one can understand the telemarketers. I would like to try to get my money back but that will probably never happen. If I am "lucky" they may be willing to replace some of the bad leads, but then all I will get is more bad leads. The moral to the story is: Make sure you understand what kind of lead you are getting for your money and try to use reputable companies that have been to you by satisfied agents and as time allows, perhaps you should hire your own person to set appointments for you.