We dealt with Ryan Frey and he pointed out a lot of important points we had not considered. We had always shy’d away from life insurance because we though having it through our jobs was good enough. But Ryan helped us understand that if you don’t have that job anymore, then no life insurance, so the importance of holding this outside of our jobs is crucial. He helped us ensure the kids would be taken care of as well and the points to consider around that. Also the importance of critical illness. Ryan was professional and was a wealth of knowledge for us. We are very pleased with the service and the product, and would highly recommend him to anyone.