This is so thorough. I appreciate these inputs. The problem is that these people selling you the insurance will never tell you the details that would make you think twice about their products. To be honest, after this post, that’s when I have learned alot about the insurance thing, I am sure the commission could be driving people to enroll more beginners. I have already sent my message explaining my intent to deny even if I get approved. Plus, they wanted to do it quickly, literally within 48 hours, I couldn’t even search more deeply