The subject to which they refer in their marketing are more university students for loans, loans on health, although lately after the American health care reform is not seen around this type of e-mail, anyone with a middle income down for whatever reason, if only to buy a car or supplementary pensions.
Some of this company are real, instead other are literally scam disguised, but in all cases there is need to be careful what you sign and what is sent when you register for an alternative loan or a pension or health insurance.
First of all you have to check that the company actually exists, which can be traced on some official site and you can ask for the type of insurance policies or contracts that you are going to sign, every society has a serious call center or an email address where to submit their requests, be sure also that you can contact them after signing the contract for any problem you may have.
Make sure the contract is in compliance with local laws, read carefully the contract may contain traps (usually small print), some of them may be: authority to levy one-off that may have different amounts (never less than 50 € / $), or you pay the annual insurance but then you discover that in reality in our state have no legal validity and that there shall indemnify nor anything about the medical expenses that you will have to anticipate.
Regarding loans, rates usually have a moneylender and pay the amounts it becomes almost impossible, because the numbers increase every month and the debt is not exhausted almost never.
Attention because these are just the crumbs if we look deeper we find that there is a possibility that your credit card can be cloned and then instead of receiving money or access to pensions or health insurance, you figure rip off you signed the contract, do not send your personal data if the site is not encrypted with SSL, but these companies can create an actual SSL certificate so be careful in any case.
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