i have diabetes for last 15 years and every time i talk to insurance agents,they did not give enough attention and said that i can not get insurance but when i met saurab ,he said that i could have insurance long ago even with diabetes..then i applied him and i am approved with $800,000 of life insurance.i am very happy.now my premiums are higher now because of my age but i wish other agents did the same job 10 years ago with lower premium.