I applied for several of these online. Last night a man called me from www.flutternet.com He says that I will have to do no cold calling. They supposedly supply you with the names and numbers of people that have called them wanting to buy insurance and you are just calling to explain the policies and sign them up. There is a cost to cover phone expenses and access numbers to conference calls. I don't know if this is legit. If anyone knows anything about this company and if it is a legit good idea I would greatly appreciate it. Thanks