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“Thank you very, very much for all your help and information. You’re the answer to a prayer, and I’m sure you’ve heard that before from ‘hard-to-insure’ people like me.

Depression and substance abuse are both conditions that carry a stigma — and therefore are very shame-based — and you completely lift that away.

I’ll refer everyone I know with similar histories to your agency, and I hope we can do business in the future.”