I have recently purchased life insurance from Monika. My ten year term was coming to an end and my provider was asking for a huge increase in premiums. Having reached her on line and never meeting her in person, I was initially a little concerned about service delivery. The process using the internet was very easy and efficient. Monika was knowledgeable, gave me good advice and was very responsive throughout. She also saved me money and got me a rate that was slightly below my current premium. I would recommend her to anyone looking to renew or buy life insurance.