I do not normally respond to companies calling out of the blue but when Fuladvice called I was ironically in the process of seeking a new Life Insurance Policy. My initial advisor James, was thorough, knowledgeable and responded to my questions well. He sent me additional information in order to eliminate any concerns I had about using a company I had not initially approached and he didn't put pressure on when i wanted to have a additional time to talk over my choices with family and friend. If they hadn't approached me I probably would have kept putting changing my life insurance off which wasn't conducive to my current circumstances.