Got a call from these folks saying my health insurance application was approved.  I didn't even know I had made application. I thought perhaps my wife did.  But, I am on COBRA and paying out the nose, so I listened.  She told me all my pre-existing conditions were approved and I needed to do it right away.  I asked for some written info, but she refused and said she was the last step in enrolling me. And, that they had a 31 day money back guarantee.  I refused to work with her unless she gave me written documentation on what I was buying.