Brad is an extremely nice gentleman. He was very knowledgeable and very patient when explaining the plans and their details. I am happy to have him as an agent. I feel he will be a great help to me. Phyllis was a very pleasant woman who I am also very happy to have as an agent. She took great care to be certain we were comfortable with all of the information she gave us. She went out of her way to explain details to us (my husband & I) so we completely understand all of the information. Extremely intelligent and full of knowledge. Both a great help to us.