I was having a VERY hard time finding individual coverage health insurance. Bob Wool helped me find the policy that was just right for my family, our health, and our budget. He is very friendly and easy to communicate with. It made all the difference for me to have him to the work, based on my specifications. He treated me the same as if I were a business owner with 150 employees. My experience has been completely positive. Well, other than the nasty insurance companies with their exclusions and rules, here's hoping 2014 changes some of that.