Mark Morrissey was patient, polite and knowledgeable regarding our insurance and options available with our current company. We are able to lower our annual out of pocket expenses for a nominal monthly fee. After the application was taken and submitted we received another call from Chapter regarding what we had already discussed and decided on with Mark. This, to us, is unnecessary. Unless there is an issue which needs to be resolved regarding our application we don't see the need for the follow-up telephone call. If it is necessary, please e-mail information. I have exclaimed my satisfaction with Chapter, and specifically Mark, to the organization which recommended the service to us.