I had recently gone through a life insurance application with an on-line insurance organization. This process provided me with the requested coverage but on a rated basis for an un-diagnosed condition. I decide after hearing Pierre's ads on the radio that I should call and get a second opinion. Pierre has experience and it shows. He felt that the insurance company's decision for a rated policy was probably based on some incomplete information. He recommended I address this with my physician and do some additional tests before re-applying. A couple of months later, we met again and he encouraged me to now re-apply. His assessment was dead-on. My policy was approved at a standard rate. This is exactly why you want to deal with an experienced advisor like Pierre. I strongly recommend you deal with him for your needs – he can make all the difference. Thanks Pierre.