L.F.
Hi C.,
I have not had Mega, but I can recommend a good way to get a reliable, good policy for a good price. I listen to Dave Ramsey and if you go to his website www.daveramsey.com and look in the right side margin under "Dave Recommends" there is a link to Zander Ins. This is an insurance broker and they will get you the best deal by searching through all of the deals out there looking for exactly what you need. I was able to double my life insurance and cut my premium by half through them. Hope this helps.
L.