I'm happy and honored to meet a man by the name of Byron Cox. He came to help me decide what type of insurance I needed for my budget. He talked about several items on the policy that helped in making my decision to buy this life insurance plan. He was detailed and concise. He spoke to me simply in layman terms so I could understand my policy better. I appreciate his honesty and helpfulness. I look forward to working with Byron for many years, and I will be happy to refer him to my friends.