Diarmuid, our advisor, is the best resource we could have asked for. My wife and I found his recommendations to be what works best for us, if that meant it was not the most expensive policy. We had several questions at various points of time and Diarmuid was always patient with us, spending a lot of time educating us on the nuances, despite not having any assurance of getting our business. We did not have the same experience working with other vendors. Highly recommend PolicyAdvisor to get the best recommendation, whatever your particular situation may be! Thanks for helping us :)