WE WERE THE FIRST REFERRAL SERVICE IN TEXAS. AT THIS TIME--2020-WE STILL ARE THE ONLY INSURANCE SERVICE IN TEXAS. MANY INSURANCE AGENTS AT OTHER COMPANIES ALL READY KNOW EXACTLY WHAT SERVICE WE OFFER. IF THEY HAVE SOMEONE THEY CAN NOT WRITE--MANY REFER THEM TO US. WE WRITE ALL TYPES OF INSURANCE--ALL HIGH RISK. THAT DOES NOT MEANTHE REFERRAL IS A BAD PERSON TO INSURE--THEY JUST HAVE A PROBLEM WITH GETTING INSURANCE.WE CAN GET WHAT THEY NEED. OUR HOURS ARE 24 HOURS A DAY--365 DAYS A YEAR,INCLUDING THANKSGIVING AND CHRISTMAS. I AND MIKE HOWETH WILL ANSWER THE PHONE.THE ANSWERING MACHINE IS USED VERY LITTLE. THRU OUT THE YEAR I VISIT THE AGENTS THAT REFER US BUSINESS--JUST TO THANK THEM