They claim they want you to make the best decision by answering your questions, but if they can't "sell" you within one or two appointments, you are labeled as do it on your own and end the call. One of the most important decisions of your life and they expect you to make it within their time frame. Marvin and his son provide lots of information in youtube videos. They have many hours of information available. So how do they expect to relate that information in an hour per appointment, then drop you if you don't sign in the second appointment. Educate yourself with their, and others, videos... Then sign up yourself with the Insurance carrier online directly.