People want to know the negatives! Quite often it is the negatives that determine whether a policy is bought or not. Anyone can extol the virtues of the positives, but when a policy will not pay out because a 'salesman' has given misleading information who is the loser? Your original post on FB, advertising a different company, was going to be the bees knees and better than SGK until it was shown that anyone over 55 could not join and cover stopped when you got to 65. Then you changed your tune and admitted that it was aimed at "working professionals under 55". Now it seems that your statement, and I quote "This covers BOTH pre-existing conditions and congenital conditions" is not entirely correct either!