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All of my experiences with Tony have been excellent. I retired before I was eligible for Medicare and Tony suggested a solution outside of the policies he sells, even though he could have profited by selling me a policy from a group that he represents. A few years later Tony suggested a short term plan that was an excellent solution. I now have a Medicare policy through his associates. He knows the healthcare field well, is extremely responsive, and is honest about the suitability of the products he represents.