This so call preacher sells whole life insurance as an investment because it pays him more than term life insurance! How do you think he paid for his Bentley? We thought we had a retirement plan, but all we had was insurance! We paid in over $27,000 and could only cash it in for under $10,000! Do not do business with this crook. We are gonna sue this sob!!! If you know of others who are not happy with him, have them post their complaints here! He operates out of Memphis TN., we do not live there, but look out where ever you live!