Yes I am from Virginia and there are few people around me who are involved in such insurance. But I was never get convinced to enroll in such policy. These agents needs to be tested to verify their eligibility even though they have valid license. I was going through Nepalese insurance license holder in Virginia, most of them are only licensed for life and annuities. I found very few agent with high experiences in different areas of insurance. Let's see how the right person can resolve these insurance issue.