I have been working with Chris for so many years now I cannot even count them. He has managed all my personal insurance needs along with my mom's and I have referred him to many of my friends. I travel A LOT and Chris always take care of my travel insurance whether it is us or international I am always covered. He is super responsive and always provides me with the best recommendations for me, not for him. He explains it all in plain English so those of us that do not understand all the insurance talk he lays it out. My travel insurance has been so great that when I am on vacation, I can really relax knowing no matter what I am covered: whether it be my car rental insurance (no more upcharges from the rental agencies), a prescription I forgot, major medial, emergency medical flight off an island, you name it I am covered. Chris has always been the best and you can not go wrong. I have so many friends in the insurance business, and I call Chris every time. He is the best.