Thanks for this information Lee. I went with CCW Safe after previously having USCCA for two years @ $360 a year. I got tired of them charging so much so they could give guns away. CCW Safe costs 2/3 less than USCCA and provides much better coverage. USCCA does have a good magazine though. One other note, CCW Safe states that their representatives and counselors all have experience in personal selfdefense incidents, many are retired LEOs, or military.