Scam. Advertising for seniors everywhere for 250,000 of life for $15/mo. I went thru the application. It has sliding scale of amount of coverage, length, and price. I chose 1,000,000 for 15 years. The cost they showed me was $240 a month. That false number tricks you into filling out the full application and giving them everything about you including full name, address, phone, email, date of birth, your doctors name and address, all of you medical history, and the last 4 of your social security number so they can pull a "soft" credit report on you. When you finish and hit enter, it came back with a price of $467 per month, and that I will have to wait for a decision, up to 4 weeks, to investigate or have a rep they hire come to my home and do a physical. They partake in totally false advertising to seniors, tricking them to apply with a fake cost. None of what happened to me was in any of the online advertising. Do not get tricked into the fake internet rates.