John Hradesky is a consummate professional who is not only extremely informative, knowledgeable, and honest, but gracious and caring too. John has given me sufficient information and confidence to begin restructuring my future financial situation so I feel my wife and I will continue to have enough income for our later years. One product which my wife and I believed we could not use because we thought we were too old is the life insurance policy. During a presentation John stated some information which shattered my stereotypic beliefs in life insurance. I leaned forward mouth agape, asked John to restate his information, and had an epiphany at that moment. Oh John, where were you 10-20 years ago?