Honest/fast answers to my questions I received honest/fast answers to my questions, and my needs were met within 30 minutes.

Thank you! Thank you Michael and Susan for all of your efforts. Thanks for taking the time and advising us with proper future planning. You are greatly appreciated for your honesty and transparency.

Michael and Caleb are competent Michael and Caleb are competent, kind, and beyond professional. I felt seen and valued every step of the way. Truly good men doing great work. 🙏

Fast easy process from start to finish Fast easy process from start to finish. I would not ask for a better experience.

Michael Gray Michael Gray should have a five star rating in all the boxes. We are a couple in our eighties living on social security and have been paying on a life insurance policy for my husband for over 30 years. We did not know at the time that the premiums would one day get so high we could not afford them. I wish we had known Michael Gray 30 plus years ago when we bought the policy. Our premiums got so high we could not afford them. Michael Gray, who we did not know and had never had any business with went out of his way to help us. He made numerous phone calls and sent emails, and letters on our behalf. I know of no one else who would have done what he did for us. We did not have any policies with him and he was not getting any compensation for all of this help. If he had not helped us we would have had to lose the policy or take out a personal loan to pay the premiums. Thanks to his help we were able to come to a reasonable solution with Pen Mutual. We will be forever in his debt for all he did for us. He saved our policy and helped take a tremendous load off of our shoulders. We will never forget all he did for us. From two grateful policy holders Johnny and Betty Ann Rozzelle