He isn't telling the truth, If he were, my questions would have been answered. The price of the insurance is based on the amount of money you make. If one makes 250,000 a year, he won't find insurance for 200/mo. If a person makes 52, 000 a year he can. I was teaching last year and made around 52000, so, I was able to buy inexpensive insurance. I have explained this numerous times.