It took extra time as someone kept… It took extra time as someone kept misplacing the forms that I would fax over. Also I had to pay out of pocket for medical records. I feel that should be paid by insurance company.

Will use again Referred by family and easiest since no dealings w/insurance companies in the past. One call shopping with what I was seeking and not what an eager pushy agent wanted me to get to boost their commission. Will use Ramon and his crew again.

Very easy to get a rate quote with… Very easy to get a rate quote with better rates than I got with policy genuis by far. I have a medical conditon that made it hard to find affordable rates but they found them. The final rate was a little bit higher than what I was quoted but still much lower than anywhere else. That's why it's 4 instead of 5 stars. NO HIGH PRESSURE. EASY AND CONVIENIENT MEDICAL EXAM. GREAT COMMUNICATION AND SERVICE. Can't imagine an easier way to shop for insurance.

False Advertising Online False Advertising Online - False hope given to people searching for life insurance denied by other companies. On website states Guaranteed Life of $100,000 with no medical exam or health questions with no waiting period if you are working 20 hours a week. This is a lie. I just called and spoke to an agent who told me JRC no longer has an underwriting company which will provide this coverage so take this information off your page.

Exceptional service! Kyong Kim and the entire team were professional yet down to earth and committed to getting me the best product to meet my insurance needs at a cost I could afford. All my questions were answered every step of the way and never was I made to feel foolish for asking anything! This is the way every public centered business should be run. Many thanks! I will be using your services again as my wife looks for a life insurance policy from a company who cares!