I think your question is a very important one, and it would help to compare apples to apples.

A few bad apples spoils the barell! 

For sure, don't call anyone that you might hear on the Radio, see on TV, etc...

I recommend that you start by speaking with agents at those two companies and see who can get give you the best quote “apples to apples.”Some of my more experienced colleagues like @J.

Let the numbers tell you if its a good deal, and avoid letting the talking head on TV, or elsewhere, sway your plans.

I purchased the app on Apple store it was a game changer.

It's like paying for Netflix and never owing a tv, just makes no sense to me. 

It will be down for 24 hours shortly.Luckily we are not one of the cheap ones that doesn't provide Satellite or cable TV so not a huge problem for us.I have kept the guest informed multiple times today on the status and they have thanked me for trying.Meanwhile they can still watch TV.

Know exactly how much you need to close and how much you will spend for the money by the time you expect to exit....compare apples to apples. 

(This is an oversimplified example, BTW, as a true comparison would not be with just one lump sum starting amount, and would need to account for investing the taxes not paid in the tax-deferred scenario to get a true apples-to-apples look.