Hey Terry i dont know if all ur 3 points are correct, i dont know if you HAVE
to be insured with them, but i am so i wouldnt know, however i am not 30
yet and they did me one, as well as a friend of mine who is only 25, but yeh
again insured with them. Mine wasnt quite as cheap as urs, but was still about
$200 cheaper then anyone else.....