I cannot express enough gratitude for Felicia Knowles and her exceptional support during one of the most traumatic times in my life. After my father suffered a massive heart attack and was hospitalized, I was shocked to receive a bill for over $5,000 from the hospital, despite believing his insurance coverage would fully cover his stay. Felicia was relentless in her efforts to clarify this unexpected charge, providing much-needed assistance during an already overwhelming situation for my family. Her dedication and expertise not only alleviated our financial concerns but also offered us peace of mind during a difficult time. I wholeheartedly recommend her services to anyone needing help with medical billing issues, both in the Bahamas and beyond.

Our father was denied insurance coverage for his prosthetic limb. We are not patrons of LIB; however, Ms. Knowles was recommended as an interceptor. We contacted her, and the two-week struggle and denial challenge were transformed into a complete victory in a single day when Ms. Knowles and her team intervened on our behalf. We did not pay her anything, and she informed us that we owe her nothing, as she considers the protection of our seniors to be a patriotic service, just as she does for her clients.

While in college, my son was diagnosed with a rare form of cancer. He underwent treatment in The Bahamas and the United States and was given the all-clear. Unfortunately, his condition deteriorated upon his return to school. However, he was denied coverage while seeking medical treatment "on a technicality." Felicia, who was referred to us, was contacted for assistance. Felicia intervened, leveraging the technicality to our son's advantage, and compelled the college insurance carrier to provide him with coverage until he was compelled to withdraw from college. Her advocacy was crucial in my son's eventual recovery and ongoing treatment, as he was in a highly critical condition during that time.

I stated to the Life Line Team, "If I had passed away a week earlier, I would not have been aware of the intervention and advocacy that the LIB team offers." I can only express my gratitude for my insurance policy and my exceptional experience with Ms. Knowles and LIB Team, who served as both my advocate and broker.

The cost of my insurance policy was becoming unaffordable, and I intended to cancel it. Ms. Felicia declined my request, asserting that as a married male with a family, it is one of my fundamental obligations to safeguard my family. Therefore, in order to reduce the cost within my budget, she suggested that I make some modifications to the plan. A month later, we encountered an emergency during a family vacation. Felicia and our carrier promptly resolved our access to care after we encountered a minor issue with benefit verification at approximately 11 p.m. If I had canceled my policy, the amount of money I would have spent would have been five times greater than the premiums I was declining. The LIB team is dedicated to ensuring that their clients' risks are adequately addressed, and we are aware of the reasoning behind our pursuits.

Minutes prior to my scheduled surgery, I was denied surgery. Felicia was contacted by my employer, who subsequently helped me obtain approval for the surgery that had been denied. This was undoubtedly "the rubber hitting the road," but the experience that initially appeared to be bleak ultimately became a triumph.

I was involved in an accident that resulted in a complete loss months after insuring my vehicle with Felicia was traveling and happened to be on the opposite side of the globe. Her team seamlessly assisted me in redeeming my policy and purchasing a new vehicle. The experience was genuinely valued, as they fulfilled the service they advertise.

The LIB provided me with assistance in obtaining a referral, participating in a specialist consultation, undergoing surgery, and receiving physical therapy. Additionally, they helped me navigate and comprehend the provider portal. Also, they contact me periodically to inquire about my well-being. I was previously unaware that brokers were so engaged and dedicated; several of my colleagues have also reported similar experiences. The LIB team genuinely elevates advocacy to a new level.