I was in the insurance business for more years than I care to remember. Took early retirement and that was fun...for awhile. I missed interacting with people. When a friend introduced me to working on line I have never looked back.
Like many people, I hate to see people lose their money, so will NOT recommend anything just so that I can pocket a few dollars.
I work a couple of programs but am always interested in seeing what works for others.
If you have a good solid program with no auto-ship, send me off a message.

Cheers.