The caller's name is Chris Marshall and states that he is with "E-Financial" in response to my on-line request for quote on life insurance. They appear to be some kind of broker, as he stated in his voice mail that they represent several insurance companies and find the best policy for the clients' needs. He gave a toll-free call-back number of (866) 912-4740. I have not called him back yet to verify the toll-free number.