Yes, its a fraud firm, their advertisements are misleading to sell, their partner New York Life withdrew due to the fraud and numerous complaints. Their intent is bad, Agents are given false training most dont really know and lot of gifts, foreign trips to make them sell more. Best to stay away.
Dsouza, is very quick with quotes and follow ups and had many options for me to select, not having to search. Also very pro and pleasant to talk to as good advice given.