Don't do business with Ricky Barnes. He is a typical salesman and will sell you a bill of goods. He will smile and shake your hand while simultaneously stabbing you in the back. Can't be trusted. He is being sued left and right and doesn't pay his bills. Has no respect for anyone. He is totally unethical. He is a user. He is now with TAG, The Assurance Group. How *** are they. Stay away!!!!!! Insurance agents beware. He used to be with Bankers Life and was sued by them also. Remember seeing Bankers Life on inside edition on tv. Check it out on youtube. A zebra doesn't chasnge his stripes. If you sleep with dogs you get fleas!!!!!!