I've known Tom and his wife, Valery for many years and not once have a had a problem they couldn't solve, questions, solutions, financial or other wise and I've been told true and correct answers. If they found I needed more insurance, they told me and if they found I couldn't afford it they worked with me to find one I could afford. The company they sell are, or maybe because of him are just a trustfully and trustworthy. Promptly preparing my claim and posting regularly reports as how my claim is going.