My husband had term life insurance through his employer and we never really thought much about it, but when I met Ray and Peter I discovered that not only would we lose coverage should Tom leave his work, but our payments going into the policy never adds up into cash value. We discussed it over with Ray and after seeing our options, along with how affordable a whole life plan is, we decided to switch into going with Americo. The new plan adds our savings into our insurance and adds up interest over time, and we feel that it is a much better deal than just getting something basic through Tom's work. We also have much better protection at $500,000 instead of just $200k. Ray and Peter were very knowledgeable about insurance and never seemed pushy or trying hard to "sell something." They were also very patient and met with us multiple times before we finally made a decision on what to get to protect my husband and our children. We highly recommend them.