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PASJDI went with the other one listed on the "links" page for the simple reason that when I emailed both they got back in touch with me and the other one never did. The application process was very simple, I got my policy within a week, and one can only hope I will never need to find out if they are for real. I guess I should have done more research (despite being a lawyer I am probably one of those trusting "sheep" Adam was railing against one late night who takes things on faith) but it looked legit to me.