Jejan at ICI is excellent1 A thoughtful and knowledgeable advisor. Let me explain. Before reaching out to Dejan, my wife and I were working with another broker at a different company. She was kind and tried to be helpful, but mainly looked at, and sent us screenshots of, the tables on insurance companies' websites. After making a decision, she sent us a link to sign up, which was confusing at best, useless at worst. So we contacted Dejan. He listened. He learned what our plans were for international travel, asked thoughtful questions, and made a smart suggestion to use a different vendor and a different country as our base for our global digital nomad plans...promptly reducing our expaected cost by about half! To summarize, Dejan listened. He asked thoughtful questions. He understood our needs and plans. He used his expertise to find a FAR better solution than a lesser company "advisor" who could only read a website. Thank you Dejan!